My husband was just laid off; under COBRA, we'd be paying about $1200 per month for our current insurance. We would like to find a less expensive option, but I am seven months pregnant, and all the family plans I am finding on ehealthinsurance.com for my state either:
1. Don't cover labor and delivery at all, or have a one-year waiting period for it--we are planning a home birth with midwives, and have it mostly paid for, but there is always the possibility of needing to transfer to the hospital.
Or:
2. Won't enroll children less than three (or six, depending on the plan) months of age.
So, I am thinking that we should keep our current insurance until the baby is born at the end of May or beginning of June, and then switch to a high-deductible plan without maternity coverage for the rest of the year, which would cost $400-$500 per month. (I breastfeed, which spaces the babies at least two years apart.) By then, my husband should be either employed again, or more fully self-employed. We'll have to re-evaluate our insurance options again then anyway, because of the changes that Obamacare is bringing.
Our current insurance should reimburse us for prenatal care for this pregnancy, and most of the prenatal care appointments come near the end of the pregnancy, but I expect that they will "allow" much less for our midwives than we actually paid them.
I also looked at short-term plans. The longest term is six months, they don't include well-child visits (as the regular plans are required to, by state law), and the cost is not any less than a high-deductible regular plan.
Is there anything that I'm missing?