how long till her insurance kicks in?
not to be cavalier, but... when i got pregnant, i was unemployed and my health insurance didn't cover pregnancy. I ended up waiting to see a doctor till I was about 15-16 weeks in, and didn't have any real problems. the first weeks of appointments aren't really all that involved, anyway. I knew to avoid alcohol, smoking, raw fish and eggs, soft cheeses, etc. I'd always had a healthy diet, and i'd started taking a prenatal vitamin as soon as I found out I was pregnant.
When I did finally seek care, I was still self-paying. The doctor visit itself wasn't so bad, at about $100, but the 20-week ultrasound was $450, and I ended up having to have an amnio, which cost $2700. that sucked. The lab tests (AFP, etc.) were another $1500. And I was pretty cranky when my doctor prescribed iron supplements which turned out to cost $140 without insurance. Ouch.
if she's eating properly and taking her supplements and taking care of herself, the only big downside I can see to waiting for care is that she'll miss the window for amniocentesis and would miss the window for a termination if that were necessary for some reason.
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