Question

“Hi Vanessa, I’m really glad that my girlfriend put me onto your podcast, I’ve enjoyed listening to it and you’ve really helped me out especially when it comes to questions for my doctor, health insurance and pediatricians. I went back to the very start and started listening from there. I have just gotten through the episode on health insurance.

My husband and I are Australian, living in Colorado and about to have our first baby here. Trying to understand the health insurance here really has been a challenge and I love the way that you laid it all out. I am lucky enough to have my husbands work offer health insurance, we currently have a high deductible plan with a HSA account.

I know that you mention this in your podcast, but I thought that maybe there’s one point that should be reiterated, if I didn’t already know about this, it would have been something that went over my head when listening to your podcast – I am due to have my baby in January, and my insurance goes by calendar year, so although my entire pregnancy we have been working towards paying our max out of pocket, come January 1st the clock restarts and it’s very unlikely that we’ll reach that amount by the time the baby comes. So when it comes to the birth, we’re going to be out of pocket for essentially the whole amount. It’ll be great for the rest of the year, not having to pay anything out of pocket, but it is something we are going to have to budget for as it’s right after the holiday season. And it kind of sucks that we’ll be close to the max out of pocket in December then have to start it all over again, but I’m still not going to wish for anything different because delivering in late December would be 36 weeks for me and that’s not ideal! Thanks again for your podcast and taking the time to read this.” – Rowena

Answer
Additional Resources
  • Health Insurance – updated episode coming this Sunday 11/05/17
  • Mommy Steps makes insoles specifically for pregnancy. They have insoles for athletic shoes and ones for flats or boots. You can even heat them in your oven and mold them to your own feet to make you more comfortable and to prevent foot issues during pregnancy. Mommy Steps is offering an exclusive discount for listeners of the Pregnancy Podcast. Click here to check them out and enter the promo code FEET15 to save 15% off one pair or FEET25 to save 25% off two or more pairs.
  • Zahler makes a high quality prenatal vitamin that has the active form of folate plus omega 3s and DHA. This is my favorite prenatal vitamin, the one I take everyday and the one I recommend to all expecting moms. Zahler is offering an exclusive discount to listeners of the Pregnancy Podcast. To check out the vitamin and find out how you can save 25% when you buy a one month supply on Amazon click this link Zahler Prenatal + DHA.
Submit a question