Stressed w/ Infant Insurance
25f & 27m Mississippi and including my husbands gross income would be around 4,300ish? It varies. Sorry, long post but I’m trying to get my ducks in a row early. I give birth in March. Currently, husband and I are on my insurance plan. My plan after I give birth is to use my EIB ( will be like 100 hours) and short term disability which will pay 60% for 11 or 12 weeks. Im wanting to be a SHAM so I’ll go back for two weeks and then turn in my notice (my managers advice, she’s been helpful and so supportive of me). So, getting to how to cover the baby. I’ve seen that with Medicaid or CHIP you can apply at any point and I ~believe~ we would qualify for chip with just my husband’s income but I’m uncertain and don’t want to bank on that just in case. With applying for chip we would also have to wait for my EIB and short term to run out before applying since reporting that income wouldn’t qualify us and I would be quitting soon after . With chip it seems like we could wait to apply but if that falls through then the baby would be out of the 30 day range to apply for other insurance. I’m basically unsure what my steps should be from here? Get quotes and apply for marketplace insurance for baby and just go with that because that’s going to be a tight time frame of 30 days. Try applying for chip right off the bat along with marketplace insurance with the EIB and short term income having to be reported ultimately causing us to ~more than likely~ not qualify even though we would qualify in like three months time? I really don’t want my baby to have a gap in coverage but also trying to be financially savvy as we’re going to have a tight budget when I become a SHAM. What even is typical marketplace insurance rates for newborns?!
submitted by /u/Chai-Coco-Cat
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