Having a baby tomorrow, just found out I have no insurance
It's as if every possible bad scenario has aligned and left me with absolutely no options. I must have pissed off a voodoo woman in a past life who cursed me with terrible luck and a lifetime of debt.
So, I started my job a little over a year and a half ago. When signing up for insurance, the plans and website were very poorly made and difficult for a layman like myself to understand. So I picked the cheapest plan. It was Cigna. Then in November I got pregnant. I called Cigna to ask if they covered NIPT testing and was informed that the plan I was enrolled to was preventative only and covered no maternity care. I was still covered under my mom's insurance and so we just went with that. It covered everything.
That is, until my 26th birthday passed in June. I was no longer covered under my mom's insurance and Kobra was $750 a month (and doesn't cover baby). So I used the qualifying life event to cancel my insurance and get insurance through my husband's job. He picked the plan, said it sounded good. So they say our coverage begins July 1st. July 2nd I have an OB appointment, but we have not been given a policy or group number to give them. I say I'm covered but don't have the info yet and ask them to hold off on billing, they say they can't since it goes through the hospital. We contact the insurance company and they say because of the holiday, it won't be ready until Monday (today). Okay, whatever. Monday comes, I still have no information to give them but I go in for an appointment today. I'm told that I owe $500 for my last appointment and will owe $500 for today and that they won't see me again until it's paid. Whatever, it's my last appointment anyways. Then they tell me that this insurance my husband signed up for (Imagine360 🤦♀️) isn't in network with them or the hospital, and that my birth will not be covered and neither will these last two appointments.
So what am I supposed to do? I'm being induced TOMORROW and I just find this out today. I have been on FMLA leave for 2 weeks but I haven't missed a paycheck yet and I make too much for Medicaid. I make too much for indigent care.
My husband called Imagine360 and they say they don't go through networks, you just tell whichever hospital you go to to bill it to them and they'll cover from there. So I guess it's like a self report? Idk, we're so confused and so frustrated. We're in the state of Georgia.
Any advice is appreciated. Thank you.