so we got our approval letter from blue cross the other day that stated that we wouldn't be covered until june 20th. huh. the woman i spoke with when i took the app in said the policy should be retroactive to the requested coverage date, which was june 1st, a few days after i sent the application in. i called them and asked if there was any way we could have the effective date moved up by just ten days and they said nope. so i called my insurance i had through work to see how much conversion coverage for the time i was terminated until the 20th would be. (oh and my employer cancelled my insurance as of the day i was fired...so that was retroactive) $4,000.00 for a month. and that would be just me, not DD or DH. there's something with michigan's private health insurance laws that doesn't make them have to provide affordable conversion coverage and as COBRA isn't an option, i was peeved. all of this wouldn't be bad. i am not due until the 30th of this month and with the me not working the braxton-hicks contractions have lessened and i have been feeling alot better.
well....that was until i went to the OB on friday and she said i have dropped, my cervix is thinning, and i was dilated to 1 cm. i walked around dilated at 1 with DD for about 2-3 weeks the first time. but my cervix isn't what it used to be. DH is flipping out. if i go into labor between now and the 20th we are screwed. (the home birth option is now looking better to him since he fought me on it when we got pregnant). i called the hospital to see what they recommended and they said we could set up a payment arrangement or apply for financial assistance and frankly i don't see us ever being able to pay off a $10,000 hospital bill.
i went to the dept of human services and filled out an application for the "healthy kids and pregnant women" medical program which if we're approved is definitely effective retroactively, unfortunately, it being friday there was no worker for me to talk to in order to figure out if this was even a viable option. but when i did the online application that determines if you would be eligible, it said our income was too high but we could be eligible for medicaid. i'm so confused. there is a group 2 pregnant women option which we could be eligible for and is evaluated on a case by case basis. all i need is a backup coverage for nine days.
nine days has never seemed like such a long time. and every twinge is sending me through the roof, i can't seem to remember what actual labor felt like and i feel like i am a ticking time bomb now. ack.