I know I talk a lot about being pregnant these days. I really never thought I'd turn into someone who could talk about nothing else, but pregnancy is all-consuming right now. I'm still not feeling very well; therefore, I'm still not doing a whole lot, which is really frustrating (and kinda boring). I have high hopes of retaining my individuality as a woman when I become a mother, and I think pregnancy is a good place to start. But for now, while my life is fairly dull, I'll blog about pregnancy.
Annnnyway, I knew once I revealed this news that I really wanted to do a blog post about health insurance and a great morning sickness resource I discovered during my first trimester. Exciting stuff, yes?! The content may be a little dull, but I hope it can help someone who finds herself in a similar situation to me.
Levi and I are both independently contracted and essentially run our own businesses (Levi definitely runs his own business and does all his own taxes; I get 1099ed when I work). We both really love this, but it comes with a price - no health insurance for us... well, no company help with health insurance anyway. We could get private insurance, but we can't afford it, and every plan I've looked into says, "maternity not covered." Mind blowing!
So when we decided to start trying for a baby, I began researching options for us. I knew we wouldn't qualify for MediCal or Medicare. The income limits are very very low. Back in our really tough financial times, we might have been able to qualify for it, but that's not the case now. This is awesome! We're moving up in the world. We're making good decisions. We're growing up (finally). But this also left us without any health care options, or so I thought! I ended up learning about a California program called Access for Infants and Mothers (AIM). It's for middle-income pregnant women without health insurance or with private policies with high deductibles.
I did all my research before getting pregnant to make sure we qualified, and we did! Once we obtained proof of pregnancy from a local clinic, we were able to apply for the program. We were so freaking excited when we got our approval letter!! The program is awesome. It isn't free, but the monthly rates are very reasonable and are based on your income. And I honestly really like that we pay for it. It makes me value it more. With that said, we don't have to pay any copayments or deductibles, and our plan covers everything. It is such a huge relief to have this taken care of, and once our baby is born, she'll be put into an insurance program as well. I know this a California program, so if you're living in another state without health coverage, this information probably doesn't help you much. But I do encourage you to find out if your state has any similar programs. Finding AIM took a little bit of digging, but I'm obviously so happy I found it.
The other resource I'd like to share is Motherisk, which is a "clinical research and teaching program at The Hospital for Sick Children in Toronto, Ontario, Canada that provides information and guidance to pregnant and lactating women and to health care professionals" (taken from Wikipedia). They have a number of helplines you can call where you can talk to counselors about things like morning sickness, alcohol and substance use, and HIV in pregnancy. All for free. Basically, they are Canadian angels.
I called the morning sickness helpline while I was in bed during my first trimester, sick, miserable, and desperate. The counselor I spoke with took down all my information and asked me a ton of questions, including, "How would you rate your quality of life right now on a scale of 1-10?" After she had a clear picture of what was going on with me, she came up with a plan to help me feel better and to have a higher quality of life. She advised me on when to eat, what to eat, and how much to eat, foods to avoid, vitamins I could try, medications that were safe to take, and what I could drink. She figured out really quickly that I had really bad acid reflux (I had no idea since I had never experienced it before), and she helped me come up with a plan of attack. She also said she would call to check on me again on Monday... and then guess what? She did! She called to check on me! On Monday! With all my information in front of her! At this point, I was still waiting for my insurance approval, so it was really nice to feel cared for and to have someone helping me through this trying time. They continued to check up on me and tweak my plan according to how my symptoms were changing. Everyone I spoke with at Motherisk was caring, kind, and competent. They reassured me about the safety of the over-the-coutner drugs they suggested, and they also directed me to pages on their website with studies done on the effects of individual medications in pregnancy. I can't say enough great things about Motherisk. They helped me so much. I really would have wasted away without the help they provided since I was unable to eat or keep anything down. They're very reliable and trustworthy, and their counselors do wonderful work. Levi and I intend to make a donation after our daughter is born.
So, there you have it! Not the most exciting post, but I really hope this information can be helpful to someone! I'm not exaggerating when I say that both programs have been lifesavers for me.
I did all my research before getting pregnant to make sure we qualified, and we did! Once we obtained proof of pregnancy from a local clinic, we were able to apply for the program. We were so freaking excited when we got our approval letter!! The program is awesome. It isn't free, but the monthly rates are very reasonable and are based on your income. And I honestly really like that we pay for it. It makes me value it more. With that said, we don't have to pay any copayments or deductibles, and our plan covers everything. It is such a huge relief to have this taken care of, and once our baby is born, she'll be put into an insurance program as well. I know this a California program, so if you're living in another state without health coverage, this information probably doesn't help you much. But I do encourage you to find out if your state has any similar programs. Finding AIM took a little bit of digging, but I'm obviously so happy I found it.
The other resource I'd like to share is Motherisk, which is a "clinical research and teaching program at The Hospital for Sick Children in Toronto, Ontario, Canada that provides information and guidance to pregnant and lactating women and to health care professionals" (taken from Wikipedia). They have a number of helplines you can call where you can talk to counselors about things like morning sickness, alcohol and substance use, and HIV in pregnancy. All for free. Basically, they are Canadian angels.
I called the morning sickness helpline while I was in bed during my first trimester, sick, miserable, and desperate. The counselor I spoke with took down all my information and asked me a ton of questions, including, "How would you rate your quality of life right now on a scale of 1-10?" After she had a clear picture of what was going on with me, she came up with a plan to help me feel better and to have a higher quality of life. She advised me on when to eat, what to eat, and how much to eat, foods to avoid, vitamins I could try, medications that were safe to take, and what I could drink. She figured out really quickly that I had really bad acid reflux (I had no idea since I had never experienced it before), and she helped me come up with a plan of attack. She also said she would call to check on me again on Monday... and then guess what? She did! She called to check on me! On Monday! With all my information in front of her! At this point, I was still waiting for my insurance approval, so it was really nice to feel cared for and to have someone helping me through this trying time. They continued to check up on me and tweak my plan according to how my symptoms were changing. Everyone I spoke with at Motherisk was caring, kind, and competent. They reassured me about the safety of the over-the-coutner drugs they suggested, and they also directed me to pages on their website with studies done on the effects of individual medications in pregnancy. I can't say enough great things about Motherisk. They helped me so much. I really would have wasted away without the help they provided since I was unable to eat or keep anything down. They're very reliable and trustworthy, and their counselors do wonderful work. Levi and I intend to make a donation after our daughter is born.
So, there you have it! Not the most exciting post, but I really hope this information can be helpful to someone! I'm not exaggerating when I say that both programs have been lifesavers for me.