re: Is there EVER a perfect time to get pregnant?

<blockquote><b>Quoting Mami™:</b>" I do have health insurance, but adding pregnancy would cost us an additional 400 a month, which doesnt even cover everything. "</blockquote>



Well then can't you consider adding the insurance to cover the pregnancy? If you can't afford to pay for pregnancy part of insurance then you should ask yourself if you could really risk the debt that may arise from an uninsured pregnancy, birth, possible complications.

Quoting Love = Moco and Bubba:" My hospital birth with my 2nd before insurance was over $10000. Add in my OB charge at $5000, Newborn ... [snip!] ... However there is never a right time to have a baby. You will find a way to make it work if it is something you want. "

Thanks for breaking it down for me... In Germany you dont have to pay for anything (well, in total I paid 30 Euros / around 45 Dollars) for doctor visits. All I could find on google for giving birth in the US is an estimate of the whole deal and that with certain complications the price can rise sky high...

Quoting Mami™:" My husband and I were playing with the thought of having a second child since a while now... There is ... [snip!] ... to pay, or some sort of circumstance that doesnt make the moment "perfect" or is there actually a perfect time to have a baby? "

In my mind YES. This is only because I am a BIG planner. I would never get pregnant without insurance, enough in the bank to cover the basic plus some and enough space. Not that the baby can come exactly when you want it but, being prepared is always nice. No stress about bills ect = happy and enjoyable pregnancy.

I know that not everything in life can be planned perfectly (or so I am learning), I just never understood getting pregnant intentionally when life was already a struggle. I mean, if you have a card table as your kitchen table and you sit on lawn chairs for livingroom furniture, chances are it would be stupid as hell to try to get pregnant! lol That is just my opinion though!


I am also not the one to say "Go get medicaid so they can pay for your pregnancy". I don't believe in TTC and relying on welfare programs. I think that is just bad parenting from the start.

Quoting Mami™:" Thanks for breaking it down for me... In Germany you dont have to pay for anything (well, in total I ... [snip!] ... for giving birth in the US is an estimate of the whole deal and that with certain complications the price can rise sky high... "

With a c-section it can rise even higher along with other complications. We have PPO insurance with a low deductible and we still have all that to pay out of pocket. When we had medi-cal when I was pregnant with my oldest, everything was supposed to be covered but I still had to pay $8000 because medi-cal wouldn't accept the bills!

<blockquote><b>Quoting Mami™:</b>" Thanks for breaking it down for me... In Germany you dont have to pay for anything (well, in total I ... [snip!] ... for giving birth in the US is an estimate of the whole deal and that with certain complications the price can rise sky high... "</blockquote>



^ Same. We pay for absolutely nothing here. I can't imagine having to worry about a possible debt arising just due to the healthcare involved in pregnancy. Go NHS!! Lol

Quoting HopingforaMiracle:" You have to think about what if that child is born early and needs to be in the NICU. You have to think about what if the baby is high risk. What if you have to quit your job because of complications."

ALL OF THIS        

I thought the right time was when my oldest was 2. Well between a tuble and such my two are 6 years apart. To be honest i like it. But timing is never right or perfect. lol Good luck

Quoting Not tellin:" In my mind YES. This is only because I am a BIG planner. I would never get pregnant without insurance, ... [snip!] ... your pregnancy". I don't believe in TTC and relying on welfare programs. I think that is just bad parenting from the start. "

I agree.   Thats my problem though, I am a big planner too and a perfectionist on top of that (bad combination, uh?!) We do live comfortably where we are at right now, do not struggle with bills or anything, but I am that can come as soon as I get pregnant and I dont want that to happen, thats why I asked that question. When I was pregnant with my 1st, I didnt worry about all this (age thing) and we did have a hard time in the beginning financially, and I just dont want to have that anymore.

Despite the fact that I cant get Medicaid, I wasnt planning on getting it anyway, just wanted to mention it, because otherwise people would suggest getting on that plan - easy fix. ;)

Quoting Mami™:" I agree.   Thats my problem though, I am a big planner too and a perfectionist on top of that (bad ... [snip!] ... on getting it anyway, just wanted to mention it, because otherwise people would suggest getting on that plan - easy fix. ;) "

I didn't figure you to be the type   However, you are right. It is always suggested in these types of conversations. I will never understand that mentality.

I was a HUGE planner with my pregnancies. We did have the home, the SUV and the insurance. We also had the bank account to support my end of the bills should complications arrise. Well, it took us YEARS to get pregnant. When it finally happened, I ended up pregnant with twins. lol Yup, good thing we planned! I ended up loosing my job (I had been there more than 4 years) because of my pregnancy. Illegal, yes. Could I prove it? No. Arizona is a right to work state so the burden of proof was on me not the employeer. Anyway, I ended up not working until the girls were 16months old. Then I went back part time and it just wasn't worth it. We didn't need the money but when I went to work, it ended up costing more money than just me staying home. With my son, I ended up blood transfusion dependent. Every 10-14 days I got 2 units of blood as a result of a blood disorder (the key player in why it took me so damn long to get pregnant in the first place) that was fired up after the stress on my body from the twins.

So, needless to say... planning helped us A LOT but, it didn't save us. Fortunately, my husband has a lucrative career that has kept us afloat. I couldn't imagine if he didn't. My kids were all born when he was a USFS wildland firefighter. He had Federal Employee Insurance. The best out there really. To have the twins (c-section, every dr apt, u/s and the hospital stay) it was $100. It was $150 for my son. That included everything that I had with the twins and all my blood transfusions. He has since left the Forrest Circus but, had we not had that insurance and had I not had the career I did, I just don't want to know where we would be.

Perfect? No. But some times are better than others for sure. Better to get pregnant at twenty-five with a nice job and education than at fourteen, no job and in high school.

Quoting I'm His Amy He's My Rory:" Nope there's NEVER a "right" time. There's always going to be crap that makes it hard. Just do it if you want to and then make it work."

agree

I think if people started waiting for the perfect time to have kids then 95% of te population would not be having them.

We decided to TTC in the beginning of this year knowing full well that we were cutting it close. DH is a marine and he gets out in january. A week after our son is due. We may be without insurance for a bit right after he is born. Its definitely not ideal but we will find a way to make it work. We always do. Most people always find away.

I know this post is older now, but just wanted to mention, that everything cleared up!! My husband figured out that the HR person he talked to was new in this field, didnt know much about this and just tried to get rid of his "nagging" questions that she had no answer to, so she told him 400 to make him shut it. In fact, she has been fired 4 weeks ago, and preggo coverage is actually only a 150 extra and starts right away with no waiting period! WHOOO! Puts my mind at ease big time.

I better get going and start the baby making. Soo... ;)