Thrifty mom finds a loophole after getting conned by her insurance provider, scoring $0 healthcare for her newborn baby: ‘Thanks for not caring about your employees'

Author image for Jesse Kessenheimer
Jesse Kessenheimer • Writer and Editor
Mar 20, 2024 12:00 PM EDT

Health insurance can be expensive. While many of us have spent at least a short stint of our lives wondering how we're going to pay for healthcare, it's usually not in our first few months on earth. However, if you're the lucky baby in our next story, you have nothing to worry about because Big Mama discovered a nifty health insurance loophole. 

They say that when it comes to protecting their babies, moms have a special mom-sense that makes them more powerful, stronger, and more capable of protecting their young. Well, for u/Ask_Angi, this power kicked into overdrive when her man's insurance provider decided to make her life (and her baby's life) more uncertain by revoking their healthcare insurance. 

Luckily, Super Mom was here to save the day, discovering a thrifty secret that would ultimately save her thousands of dollars. Scroll for the entire story of how one woman's determination led to a huge pile of savings–and peace of mind for her little one. 

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  • 01
    Cheezburger Image 9896943872
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  • 02
    Posted by u/Ask_Angi 3 hours ago Insurance for Newborn S OC I had a baby in early February and the plan originally was to put him on my BF's VA insurance but apparently we can't do that because he's a veteran
    via Ask_Angi
  • 03
    and veteran insurance doesn't allow dependents. Weird but okay we'll add him to mine. I messaged our HRD and they informed me they would need a copy of his birth certificate within 30 days of his birth. The problem with that is we can't even request a copy of
    via Ask_Angi
  • 04
    the birth certificate until 4 weeks after he's born and then we have to wait for the copy to come in the mail. I asked HRD if the affidavit of parentage form would suffice since it's notarized and they said no so I asked what happens if I don't get the
    via Ask_Angi
  • 05
    birth certificate within 30 days and they advised we would have to wait until open enrollment which has already passed for this year. So basically my newborn would have no insurance for almost a year and we would have to pay thousands for his birth and appointments.
    via Ask_Angi
  • 06
    I was doing some research and apparently my son qualifies for medicaid because I was on pregnancy medicaid and I never would have known had my HRD not denied my request. So now his insurance is free and my employer is out over $200 a month. I've been getting emails from HRD asking if we got the birth certificate yet even though it's passed the 30 days. Too late. Thanks for not caring about your employees at all
    via Ask_Angi
  • 07
    mizinamo 5 hr. ago . What is "HRD"? "human resources department"? (I've seen "HR" but never "HRD".) Vote Reply Share • div_by_zero 4 hr. ago Human Resource Demons
    via mizinamo
  • 08
    Ryan1869 4 hr. ago That's crazy, all I needed to get my daughter added to my work insurance was her full name. The insurance company eventually needed an SSN once we got her card, we just sent them a form they mailed us.
    via Ryan1869
  • 09
    Ask Angi OP 4 hr. ago I work for the government so maybe that makes a difference? I'm not sure, they tend to make things more difficult than they need to be Vote Reply Share wilsonhammer - 3 hr. ago there it is
    via Ask_Angi
  • 10
    newsy0011 4 hr. ago edited 3 hr. ago HR is wrong. They need proof of live birth, doesn't need to be the official birth certificate. Hospitals provide their own birth certificate that would suffice. Go above HR if you have to.
    via newsy0011
  • 11
    TinTinTinuviel97005 - 3 hr. ago I mean, yes, but it looks like OP's solution was better for OP and worse for the company, which we like to see when a company tries to screw over a worker.
    via TinTinTinuviel97005
  • 12
    plotthick. 5 hr. ago I swear insurance companies are stupid as . I wish we could rip them out, root and branch, and go to single-payer like all other first world countries have.
    via plotthick
  • 13
    Wide_Doughnut2535.5 hr. ago But then the fat cats running the insurance companies would have to find another grift gig. Think of their children!
    via Wide_Doughnut2535.5
  • 14
    Conwaytitty69. 3 hr. ago Medicaid is usually 10x better coverage too as long as the network is decent in your area
    via Conwaytitty69
  • 15
    9lobaldude 5 hr. ago HR not caring about its employees, insert Pikachu face
    via 9lobaldude
  • 16
    Al-and-Al 3 hr. ago When you get the birth certificate hit them with: “actually the Medicaid insurance is cheaper for me so I'm sticking with it”
    via Al-and-Al
  • 17
    WielderOfAphorisms 2 hr. ago Mwahahahahahahahaaaaa a! Good for you! Congrats on your new baby!
    via WielderOfAphorisms
  • 18
    Justin LaloGibbs - 2 hr. ago Seems like this would save HR quite a bit of money? Congrats on the good outcome though. And make sure Medicaid never finds out about the possible qualifications for other insurance cause they will kick him right off
    via JustinLaloGibbs
  • 19
    Ask_Angi OP. 1 hr. ago They already know that I have primary insurance that he could qualify for but because I make so little, he qualifies for medicaid
    via Ask_Angi
  • 20
    AuFox80 3 hr. ago Congratulations to you and your boyfriend! And congrats on the MC
    via AuFox80

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Babies wholesome insurance baby heartwarming loophole mama motherhood moms parenting mommy thrifty story healthcare newborn parent Reddit mom parents health insurance lucky
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