|
Okay,
Some of you think this is shady on the attorneys part, but she makes no money from this if I paid the hospital. There is no gain for her. She let us and other families know because it is a trend that started this summer with some of her families who have matches and have been placed with babies.These families thought medicaid had covered things and medicaid is dragging their feet or outright saying they are not going to pay because it was an adoption. The hospiatlas have caught on and realize that they wouldn't get paid and or the adoptive families are going to fight before they give their money away, so the hospiatls started asking th adoptive families to pay before discharge or to take responsibility for the bill before discharge but in either case, since you want to take your baby home, you are going to agree. My attorney was tellling us other families to make sure we are prepared for this so we aren't going home with a new baby and 1000.00-3000.00 more in debt unexpectedly because we thought medicaid had that covered.
Some of you guys are missing the posts where people are agreeing that medicaid pulled back on them or that they experience the same thing in their state as well and that some insurances covered at time of placement not day of birth. My original post is not standing alone.
For the families that have insurance that covers from day of birth, they won't have a problem. OUR insurance does not and that is the issue for us.
Medicaid IS covering mom, they are saying if the baby goes home the day of discharge with an adoptive family, they are only paying for moms expenses, not baby's. This means for us, it could be a costly adventure for the time the baby was in the hospital with an adoptive plan until bmom signed off and our insurance took over. (the nurses would know this because we and our attorney would be at the hospital). The papers that allow us to leave with the baby is what medicaid is looking at but those aren't what our insurance company wants. They want legal guardianship and we do not have that until bmom signs off.
The attorney said that we run the risk of losing the baby if we allowed bmom to take the baby home for those days trying to get around anyone getting the bill. You are right if bmom wants to keep the baby she will and thats fine but if we got to that point and she decided to keep the baby, fine, but I am out my money. Having lost money in prior situations where bmom's have changed their mind, this hurts us financially, because agencies or lawyers, depending on what case I am talking about have called two weeks after a failed placement with a new possibility and we had to say no because we just lost $6000.00 on a failed placement and we can't get that back immediatley.
I am not attacking nor did I think that my attorney was attacking bmoms, but what she was saying is that If we can bond with a baby when they come to our home in ten days, it can definitley happen for a bmom who was a little unsure or allows her emotion and maternal instinct to take over.
I know that it is politically correct to be sensitive to a bmom. I have a bio son and have been through pregnancy and raising him. But I think sometimes on this site we don't talk about how hard it is financially and how its okay to be pissed off that your plan that was in the works went down hill. Even if you know it can happen. Lets face it guys, adoptive families take all the financial risk and I don't know about you guys but I am not rich so that money lost is hard for us. It takes us a couple of years to get it back. Has anyone paid on an adoption loan for four years and you didn't get to bring the baby home? We have. Thats what this post was about. How Medicaid was making it harder for those of us on a tight adoption budget because they don't want to pay if we can. With our insurance we need medicaid. This post was to let people know of something that is happening here and to share.
|