According to the Department of Labor' HIPAA Act of 1996, "... HIPAA prohibits plans from applying a preexisting condition exclusion to pregnancy, genetic information, and certain children".
Info from Dept. of Labor website: www.dol.gov/ebsa/faqs/faq_consumer_hipaa.HTML
the laws that govern group and individual health plans are a little different when it comes to pre-existing conditions, and are enforced or regulated by the state department of insurance in the state where you live.
individual plans, almost without exception, will not take on a pregnant applicant, or even a male who is looking for a health plan if he's fathered a child that hasn't been born yet.
group plans are much more likely to accept a pregnant employee, or the spouse of a pregnant woman, on their plan after the employer's probation period is over. however, it's possible if the pregnancy is beyond the first trimester to encounter problems getting accepted. the fastest way to get the true in this situation is to find out what the employer's probation period is (90 days or whatever), and also ask the benefits administrator at the company to call the health insurance carrier and ask them directly. in Texas, by law, pregnancy is supposed to be covered like any other pre-existing condition on a group plan. however, if pre-ex conditions have a waiting period of 12 months and baby is due in 6 months, it doesn't help a new employee much.
finally, every state has an individual health insurance plan that is sponsored by the state department, for persons with pre-existing that can't get covered or accepted anywhere. do a Google search for "[your state] department of insurance" and the link for the site will come up. contact them or review the website and look for the 'risk pool' plan. in Texas, blue cross blue shield is the provider. every state is difference. this individual policy provides coverage for persons with terminal illness, pregnancy, and anything else other insurance companies often decline or charge a fortune to cover. the premiums are about 1.25 - 1.5 times more than health insurance for the same applicant would be with a company that does not cover pre-existing conditions, but the coverage is guaranteed. in other words, you can't be declined.
this works perfectly if you already have health insurance that doesn't cover maternity. the risk pool plan will have at least a 12 month waiting period for pre-ex, like group health plans do. if you have had your old health insurance for any period of time - especially for twelve months already - you get credit for that coverage and your waiting period for pre-ex is eliminated on the new plan. if you had coverage for six months, the risk pool would give you six months of credit off the pre-ex waiting period. if your baby's due in 8 months, it will work because you only have to wait six months for the pre-ex part of the coverage to be effective. if your baby's due in 2 months, your pre-ex period won't be over yet and it the pregnancy won't be covered.
so what do you do if the s above don't work for you ...?
in a worse case scenario, you can approach your obstetrician and negotiate a price for a package deal of nine months of prenatal care and baby delivery. the cost would be at least $2,500-3,500; for c-sec, $5,000-7,000. your cash offer should be 50% of whatever the doctor charges insurance companies for the same service. offer monthly payments with the last one due on the baby's due date. you can negotiate the hospital bill for a package deal for an overnight stay the same way.
call each medical care provider (ob and the hospital) to get the charge they send to insurance companies for the services you need before you let on you need to negotiate your bill. if you can, pay the hospital installments over the nine months during the pregnancy and they'll be more likely to agree to the arrangement. collecting money for medical services after the care has been rendered is really difficult, so many medical providers don't like to negotiate at all. don't be discouraged. good ob docs and hospitals do this everyday, but it's not in the grapevine for the public to know. it's easy to panic if you're expecting and don't have maternity. instill the idea in your mind that everything's negotiable, and trudge ahead with finding a doctor and hospital you like. your determination will show and help you during negotiations. it's also a good persuasion tool to write your arrangement on paper when you present it to a medical care provider to show how serious you are.
if you have any other questions, please feel free to email me. I'm a Group One licensed insurance agent. i sell health, life, dental, annuities and am just about to publish a book to explain insurance better for consumers and help them save 3-4 figures a year on health insurance premiums.
to the extent i can help any more i'd be glad to.
NOT ALWAYS! Some plans may have a pre x clause that includes everything EXCEPT pregnancy.
No. According to the HIPAA regulations of 1996, pregnancy can NEVER (no matter what state or what insurance company) be considered a pre-existing condition in group health plans.
For reference: http://cms.hhs.gov/hipaa/online/group/family/Pregnancy_content.asp?record=480021
The honest is sometimes. It all depends on whether or not the organization offering insurance has opted for HIPAA regulated insurance. In my own personal account I was denied coverage for my pregnant wife when switching from one group insurance from the private sector to a group insurance in the county government sector. So, you see that it is not always excluded from being pre-existing.
There is no way to tell unless she takes a test in front of you or shows you a test taken at the doctor. If her stomach starts to get big and round, then she is probably pregnant. Most women start to show at about 4 or 5 months. If you think she is pregnant, you need to ask her. You are as involved with this baby as she is.
Your children are likely to encounter narcissists in the future. In a way, they will be better prepared to cope with them, more alert to their existence and chicanery and more desensitized to their abuse.
For this you should be grateful.
There is nothing much you can do, otherwise. Stop wasting your money, time, energy and emotional resources on this intractable "problem" of how to insulate your children from their father's influence. It is a lost war, though a just cause. Instead, make yourself available to your children.
The only thing you can do to prevent your children from emulating their father - is to present to them another role model of a NON-narcissist - YOU. Hopefully, when they grow up, they will prefer your model to their father's. But there is only that much you can do. You cannot control the developmental path of your children. Exerting unlimited control over your children is what narcissism is all about - and is exactly what you should avoid at all costs, however worried you might be.
Narcissism does tend to breed Narcissism - but not inevitably. Not all the off-spring of a narcissist inexorably become narcissists.
The Narcissistic parent regards his or her child as a multi-faceted source of Narcissistic supply. The child is considered and treated as an extension of the Narcissist's personality. It is through the child that the Narcissist seeks to settle "open accounts" with the world. The child is supposed to materialize the unfulfilled Narcissistic dreams and fantasies of the Narcissistic parent. This "Life by Proxy" can develop in two possible ways: the Narcissist can either merge with his child or be ambivalent towards him. The ambivalence is the result of a conflict between the attainment of Narcissistic goals and pathological (destructive) envy.
To ameliorate the unease bred by emotional ambivalence, the Narcissist resorts to a myriad of control mechanisms. The latter can be grouped into: guilt-driven ("I sacrificed my life for you�"), dependence-driven ("I need you, I cannot cope without you�"), goal-driven ("We have a common goal which we must achieve") and explicit ("If you do not adhere to my principles, beliefs, ideology, religion or any other set of values � sanctions will be imposed").
The exercise of control helps to sustain the illusion that the child is a part of the Narcissist. Such sustenance calls for extraordinary levels of control (on the part of the parent) and obedience (on the part of the child). The relationship is typically symbiotic and emotionally vicissitudinal and turbulent.
The child fulfils another important Narcissistic function � that of Narcissistic supply. There is no denying the implied (though imaginary) immortality in having a child. The early (natural) dependence of the child serves to assuage the fear of abandonment, which is THE driving force in the Narcissist's life. The Narcissist tries to perpetuate this dependence, using the aforementioned control mechanisms. The child is the penultimate Secondary Narcissistic Source of Supply. He is present, he admires, he accumulates and remembers, owing to his wish to be loved he can be extorted into forever giving. For the Narcissist, a child is a dream come true, but only in the most egotistical sense. When the child is perceived as "reneging" on his chief duty (to provide his Narcissistic parent with constant supply of adoration) � the emotional reaction is harsh and revealing.
It is when the Narcissistic parent is disenchanted with his child that we see the true nature of this pathological relationship. The child is totally objectified. The Narcissist reacts to a breach in the unwritten contract with wells of aggression and aggressive transformations: contempt, rage, emotional and psychological abuse, and even physical violence. He tries to annihilate the real child (brought to the Narcissist's awareness through the child's refusal to act as before) and substitute it with the subservient, edifying, former version.
The Narcissistic parent tends to produce another Narcissist in his child. But this outcome can be effectively countered by loving, empathic, predictable, just, and positive upbringing which encourages a sense of autonomy and responsibility. Provide your child with an alternative to his father's venomous and exploitative existence. Trust your children to choose life over death, love over narcissism, human relations over narcissistic supply.
YOU DON'T LET THEM SEE THE ABUSER OR HAVE ANY CONTACT AT ALL IF POSSIBLE BECAUSE IF THE ABUSER DID THIS TO YOU, SOMEONE HE PROCLAIMED TO LOVE, HE IS MOST DEFINITELY CAPABLE OF THE SAME TREATMENT WITH YOUR CHILDREN
It would be sensible to totally restrict, or limit, your children's relationship with their father. Even if they themselves were not physically abused by their father, they witnessed his abuse of you, their mother, and this can be distressing for a child.
Your children need a loving relationship from their parents. You are providing that. Your former husband, however, is not. He also is using his children as targets now that he does not have you to abuse. Try to obtain some counseling for your children. Don't try to "protect" your children from the facts of their father's abuse. If your children complain or seem scared of their father, seek legal means to prevent him from seeing his children.
I'm a 27 year old mother that has a 6 year old son. My ex-husband was abusive with me. So, I did everything in my power to get supervised visition. The court system said that i was trying to keep him from my son. All I was trying to do was protect him. Six months later my son came home with bruises and whelts all over his back side. He still could come see him because nobody saw him do it. But he has to go through me first. He hasn't seen him in 4 years. We couldn't be happier. My son is not afraid anymore. I still have nightmares of him trying to take him away from me. The only thing i could say to do is fight back. make sure that your lawyer will fight until you get what you want. PROTECT YOUR CHILDREN NO MATTER THE COST!!!!
Hi Marjorie, Your question is so relevent! I have full custody of my twin sons. One of my sons has ADHD, my other son does not. It's been three years since I divorced their father (a NPD posterchild). I moved 450 miles away from him, went back to work, bought a home, started our lives over. Within the last six months, he re-married a women who lives within 15 miles of where I live, built a new home for her, and he is now moving here and seeking to get custody of one of my sons. They DO NOT want to be with him or his new wife and her children. I have retained legal counsel and have filed an Order against him to stop the disparaging remarks and any conversation regarding their right to legally decide who they want to live with when they turn 12. He was also forced to see the same therapist that my children and I see, so the therapist could be my son's Advocate (court-wise). My former spouse, NPD, insisted that the therapist could not reveal (in court) the contents of any information presented during counceling sessions. But, when I do hear about things that concern me, I email my former spouse and ask him about it. Being that he is a NPD, and is always right, he emails me back to correct me. This information can, and will, be presented in court. In the meantime, he is determined to take just one of my sons with him because the other twin, who has ADHD does not fulfill his NS. It is somewhere beyond sad, but we just have to hang in there and go the distance with this difficult set of circumstances. Keep your heart and ears open for your children. Give them the opportunity to feel safe to talk to you about anything at all. Do not speak badly about your former spouse to them, but do get help for your children and yourself. Therapy has helped us a lot because sometimes their father says such horrible things about me my sons cry. They love me and will not tell me some of the things he says because they do not want to make me feel badly. However, they do confide these statements to the therapist (Court-Wise - disparging remarks). Their anger and resentment towards their father continues to grow. I too, wanted to give my children a chance to have a relationship with their father, but he is a narcissist, therefore, by default, he in incapable of having a relationship with anyone. Your children are going to need you to be stable, loving, consistent, epathetic, and extremely supportive while they weather the storm we (adults) have already begun struggled through. I hope this will help you and your children. Thank heavens they have you! I'm proud of you - hang in there!!
I always tried harder to please my husband, but when the children were of an age where he became jealous of my relation with them, he began to abuse them verbally, emotionally, physically....not consistently, but often enough to distress me...but not often enough to exit. That was my ignorance. By the time I smartened up and gained the confidence to make an exit, my children had experienced too much. I put my 10 year old into abuse counseling. He learned from professionals what was appropriate and what was threateningly inappropriate. He recognized the difference. My 16 year-old didn't want to go to counseling. I should have insisted. My youngest still loves his father, but he recognizes and protects himself. My older son, now 31 years old, continues to yearn for his father's approval... which will never come. Abuse counseling is healthy even for those who are not aware of any past abuse...as a protection against any future subtlety which might attempt an attack. I was too naive to recognize that at the time. Being informed and aware is the best defense against being lulled into danger...at any age. My tendency after the divorce was to use my husband's behavior as the best example of bad behavior my children could learn to avoid practicing. I chose to use other examples...pointing out results and asking them questions to involve them in other possible solutions. Denegrating their father beyond their own experience of his behavior would have only complicated an already, unfortunate situation. My older son is beginning to learn who he is, separate from his father's verbalized and subtle insults. He is learning this through his own choices, actions, recognized reactions and results as a father. I've noted that he incorporates positive motivation and active participation into his fatherhood. We spend a lot of time talking about the psychology of a child's reaction and formation of values based on a supportive environment with boundaries, consequences and consistent good examples from adults in his life.
Boys look up to their male role models as to how to treat woman NOT their mothers. It is called irresponsible parenting. They have already obtained most of the nurturing needed by puberty thru their mothers and turn to their fathers for instruction (how to be a man) while also remembering what they learned as a young child. Most will speculate that the mother in all cases did not discipline or spoiled the child, along with put up with her husbands abuse and this conclusion is barbaric/abusive in itself. This is not always true and affirms the abusive behavior that comes from a father who has no male femine side which can ONLY be obtained by father/male role models NOT a mother/woman. Woman are woman...they cannot and should not be placed in a position to imitate a man. The same goes for a man.
Yes, in some cases mothers will spoil their children (not teach them personal responsibility or to live in fantasy world). Is not teaching no self control as a father enough evidence? A mother who parents appropriately is beating her head against the wall under the ignored circumstances. This type of mother is forced to put her son out of her life for her own protection and that is enough proof to conclude there is no trusted institution except church(spiritual guidance). She now has to deal with a son who witnessed neglect as socially acceptable. He is seeking constant feed ~ enlisting people just as his abusive father instructed him to do. "If you love me, you have to lie" also in the way he speaks and acts towards her and allows/teaches his sons to emulate him. He is not raising his children as instructed by the Bible. The appearance of a woman forced to raise her children on her own, as many are incouraged to do, is in itself suggestive for the behavior to carry on. He is has created the illusion for the young man throughout his life woman are props and men do not have to take responsibility for their children, either by abandomant or making a choice not to change his inmature barbaric behavior. He will attempt to use his wife, hungry court environments and their related institutions, girlfriends, friends, relatives...you know the drill. When his mother walks away his girlfriend, wife, daughter is now "it" in this contimplated and sheltered game he plays(worshiping his father). Society gasps when a mother denies her son's company and again feeds into his lack of personal responsibility.
Can you see why society is helping this succeed? If various institutions are enabling this behavior there has to be something in it for them using both the victims and the abuser. I am merely trying to point out that it is greed. This type of man filters money into the pockets of any institution from prisons to therapists(Frued followers) ~ if not the sinner, then his family is lured into it. These institutions give the appearance of resolve while simultaneuously pampering their project(so-called narcissist)~President Clinton, for example, had and still has many people convinced he is a victim instead of taking personal responsibility and deeming himself unfit to lead a country(bad role model). Again this is society entertaining the destructive behavior like money in the bank boosting the economy and creating jobs mostly in the field of government and their programs that all operate on a secular basis.
Don't even try to protect your children from reality(creates fantasy). Abuse is real. If you do, you are instructing the child to think there is nothing wrong with their father's behavior. The courts excuse this as the scorned wife label and the old cover-up "anger issues" "letting him". Who cares what they think? Is that real? The children get enough of that everywhere they go-daddy is excused and then the kids. In the marriage or out of the marriage abuse is wrong...and marriage doesn't cause it people do. It's all about personal responsibility and only spiritually inept people would object.
Based on how high the hcg level is, a good guess can be made about the length of your pregnancy. Your doctor should do a vaginal sonogram to determine gestational age thus determining the due date.
However, higher levels of the hormone HCG are often found in the case of multiples. (twins etc.) Lower levels of HCG may indicate the egg has inplanted in a place other than the uterus. (Fallopian Tube = Etopic Pregnancy)
I also want to know the answer to this question!!! I found the link below and midwife Cynthia Flynn answered. I think she is right. I am terrified of needles and so far from both people I know and on the internet people have treated me like I am selfish for not wanting to get one. However, the choice is up to you. I went to have a urine pregnancy test and came out having had my first blood test ever! The doctor was male and treated me like a child. I complied at the time and since then have felt totally violated. No-one seems to understand. I asked him not to test for STDs or anything unnessesary as I've only been with the one partner and he's been tested. He smirked at me and wrote out the longest list of tests. It came back with over 1 A4 page full of tests! And they stored blood for some more if it came back pregnant which it did. However, I may never know the results because I was so put off I never went back to him and never will! Anyway below is the answer: http://www.storknet.com/cubbies/pregnancy/excf40.htm It's your body, your baby and your birth, and you have the legal right to refuse any test. But in order to take care of you, your provider needs to know how you test on each of these things. If anything does not come back normal, how you and your baby are cared for will change.
IF THE BUMPS STILL EXIST YOU NEED TO GO RIGHT AWAY BECAUSE IT COULD BE A NUMBER OF THINGS LIKE;GENITAL WARTS, HERPES, SYPHILLIS ETC. THE DOCTOR CANNOT DETERMINE WHAT YOU HAVE UNLESS THE BUMPS ARE PRESENT BECAUSE THEY HAVE TO TAKE LIVE CULTURE (PUSS FROM INSIDE THE BUMP) AND EXAMINE IT TO MAKE A DIAGNOSIS. SO IF THE BUMPS ARE STILL THERE GO RIGHT AWAY BECAUSE WE ALL KNOW THERE IS NO CURE FOR HERPES JUST TREATMENT AND YOU DON'T TO TAKE A CHANCE AND SPREAD IT TO OTHERS. IF THE BUMPS HAVE DISSAPEARED STILL GO GET AN EXAMINATION BECAUSE YOU CAN DETECT SYPHILLIS THROUGH BLOOD.
I had one bump that was not painful but figured I should get it checked anyway -- it turned out to be a rare form of cancer that affects the vulva.
DO NOT WAIT! Go to the doctor immediately. Better safe than sorry!
yes you just have to ask your doctor
The best place for cvs is harris birthright research centre, kings college hospital denmark hill London or any hospital should be able to refer you to a good centre or kings college.
Yes. Get prenatal care sorted as soon as possible
Write her a noteAnswerThe easiest way to tell them is just to tell them, they will probably be dissapointed in you. However, Babies are a blessing...and they will get over it.
Well you just tell her what happened, but it is a big responsibility to take care of a child.AnswerYou still being so young, it will come as a shock, because technically you are still a child. Pick a nice quiet time, and let them know you need to talk to them seriously. Be honest, and be open to their feedback. They might be upset at first, but don't make any rash decisions or get mad at them. They will get over it. I plead you to think about your future. I too was going to have a baby very young (I misscarried) but now I think back and realize I couldn't have done it. My life (& I love children) would be extremely difficult with a child in it. Not to mention the father is no longer anywhere NEAR the picture. Good luck.
well that will be pretty hard my friend if u got pregnate and u want to tell your mother then let it down carefully don't say it really fast.if u didn't mean for it to happen then tell her it was an accident if u did it in purpose then can't help u there but tell her what u can do lie to her and say ur just putting on a lot of weight trust me I've sen it before lol just tell her the truth!try not to lie
I believe after 6 months. I'm not 100% sure on this but I believe it is from 25 to 36 weeks and after that you see the doc 1 time a week until 41 weeks and then every 3 days after 41 weeks you see the doctor.
Call the hospital now! If they are constantly 5 minutes apart you need to get there ASAP! Even if it's false labor it's still hard false labor--and they will either want to go ahead and let you have the baby or they will try stopping your contrations. It's not a good idea to drink castor oil at 36 weeks because your due date could have been slightly off by a week or two, as not all babies develop the same in the womb. But since the deed is done, call now! Don't even read this! Get off of the computer and call! :) Now!!
Possibly. Take a home pregnancy test, and if it's negative, and you still haven't gotten your period, go to a doctor or planned parenthood.
I can only speak from my experience and I am sure each dr has his own schedule but I had an US at 8 weeks to determine due date and then another at 20 weeks. I am sure though if there were any complications or problems, you would get them more frequently. That is about right. If you are certain of your dates you may not have the early ultrasound. If you are having Downs syndrome etc checks you may have one at 12-13 weeks. Almost everyone has one at 18-20 weeks as this is the best time for spotting abnormalities in the skull, heart, kidneys etc. You would not normally have any more unless there were concerns that the baby was not growing properly. It also depends on your doctor & their beliefs & practices & whether or not you are a high risk pregnancy. I myself had 30 ultrasounds in a 37 week pregnancy, but I was extremely high risk!
In India it costs between 1700 rs to 2000 rs in a good hospital.i.e 35 Dollars
prenatal care is best described as the care of a pregnant woman through a series of doctor visits to a board certified Obstetrician gynecologist related to the health and well being of the woman and her unborn child or fetus throughout the course of the pregnancy. . Dentist, family practitioner ,and an allergist can and should also be included. Your family doctor or a specialist should be monitoring any chronic condition. Special care is needed at this time in many areas to include but not limit to: Diet, Vitamins and supplements, exercise, internal exams and sonograms at the appropriate times and is important to the general health of the baby and its mother.
Hi, I'm sorry I can't tell you if it's normal or not cause I'm going through the same thing. I don't know if it means I'm pregnant or not. But if you are sexually active maybe try taking a pregnancy test. Especially if you are having any of the signs along with the light period. Good luck! Yes, it can be quite normal. Stress can be a factor (muscles tighten when under stress or even working out at a gym) can cause this. Being more sexually active can change hormones in the body. Brown blood is dead and of course pink to red blood is fresh. Some women even get a stringy, brown discharge during their periods. If this continues for more than 2 - 3 months it's best to see your doctor for a good check-up.
For the best results you should wait until you are at least a day late for your period. If you get a negative result, wait a week for your period to start, if it doesn't take another test. Some tests can be taken a few days before your period is supposed to start, read the box to find out which ones have that option.
yes...fraternal twins (different ova and different sperm). although it is also possible to generate identical twins I suppose (single ovum and single sperm). I have no idea what the statistics on this are however.
Although if you're *really* asking "can I *force* a fertilized ovum to split into two and generate a set of identical twins?" then I would have to say "Not likely".
Yes, an ovum can be forced to split. The above information is outdated.
Yes, it is possible to get pregnant with thyroid dysfunction, although such dysfunction may make it more difficult to achieve. Additionally, thyroid dysfunction during pregnancy creates a high risk situation and requires frequent monitoring for the safety of both baby and mother. Try talking to your doctor about this.
Brown blood is old blood & usually occurs at the begining of your period or towards the end of your period. It can also occur a few days after your period finished. Black blood is exactly the same, except for this is blood that's been released which contains a lot of Hemoglobin which gives blood its red colour. This can occur after a heavy period or irregular period with varying cycles. If concerned then see your Doctor as a examination would be a good idea as this has been going on for 2 months now.
you have to wait until the child is born and then about 250
You dont tell her alone, you go to her with the other person that has helped you to become pregnant and break it to her gently. Hopefully you have thought about what your going to do , keep the baby or not and how you plan on maintain yourself and sustaining a baby....
Sure.....with a pelvic exam a doctor can tell you whether you are pregnant as early as 6 weeks by checking the size of the uterus, tubes as well as a bluish tinge on your cervix
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