Baby on it's way/health insurance problem
July 9, 2014 8:50 AM Subscribe
My pregnant wife and I are leaving our job at the end of the summer (not our choice) with no new job lined up. We will need to get our own health insurance when we leave the job. We don't really live anywhere now, and we aren't sure where we will have the baby yet, maybe NH, or NY, or RI, or ME, or the VI. Is there an insurance plan that offers us coverage in multiple places? PPO, HMO, walk me through this. This is our first time buying insurance.
posted by karst to Health & Fitness (6 answers total) 1 user marked this as a favorite
She's pregnant and we will be taking some time off, and/or freelancing and consulting. We have had employer provided health insurance, and I guess we are eligible for COBRA coverage. Only problem, it's $2600/month. We have also had trouble with our current insurance because we are almost always "out of network". We travel 52 weeks a year and have been for 5 years now.
We own a home in the US Virgin Islands that we haven't lived in (yet) and I've been paying income taxes there as well, and she has paid taxes and has a driver's license/voter card in NH. I assume we need to be "residents" of wherever we get insurance? We've only been in each location about 10 days/year over the last 5 years. Are either of us considered residents? If so, am I eligible for coverage under my wife's residency in NH, and/or is she eligible in the VI as my spouse? The USVI isn't a part of Obamacare, but does offer Blue Cross/Blue Shield.