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no- we also used an agency. The law is different in each state - ours is the day of placement they are covered, not born.
It's really the mother's expenses of the birth that is really costly also - and my insurance doesn't cover this.
The thing is - if that child is legally the birthmothers (which it is) then legally the expenses are hers (medicaid speaking). If she doesn't qualify, then yes the aparents should pay, but I don't see how they can say they aren't going to pay by a decision she will make 4 - 30 days later.
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