I am in such a troubling state right now, all due to the fact that I do not have maternity health insurance. The happiest news I ever got was last year when my wife informed me that she was with child. When this happened, I was self-employed doing contract work as a graphic artist. So we hadn’t been able to get any insurance although we were saving money toward that goal. Of course, we hadn’t figured on getting pregnant at that moment in our lives, but we had always wanted children and were overjoyed at the pregnancy.
I’ll admit that not having insurance was a daunting prospect. First of all, we didn’t know if we could get insurance since my wife was already pregnant and it would count as a pre-existing condition. But in all honesty, we suffered from a total lack of information regarding insurance. The next reasonable step was to hunt down information using the web, but as everyone knows, web-based maternity health insurance information must always be taken with a grain of salt.
The few that we could find had astronomically high deductibles and appeared like a scam more than anything. It was really rather hard to figure out what the next step would be, so we decided to ask doctor friend for his advice, which was that we could make a deal with a hospital. This meant a flat rate for labor and delivery, but if there were any complications, we would be forced to potentially pay thousands and thousands of dollars more.
It was a tough situation, and we did not have a lot of people to go to for advice. We did ask our questions of an old roommate of my wife’s, a woman who had tried and failed to find infertility insurance. Finally, we managed to track down a website that gave clear, worthwhile information that helped us understand exactly what our situation was and how we could get through it.
Today, many weeks later, I can hold my cute daughter Sarah. Our infant makes us both happier than we have ever been, but that happiness is tempered with the understanding that we took too long to study our options. Insurance is a tricky business and it appears to me that more information would be useful for people like me. While I clasp my new baby, I can’t help but believe that other people in the future might benefit from a revised means of buying insurance.