insurance question

H's bmom was covered by Medicaid for her expenses prior to his birth---don't know if that would be an option for you, but if it isn't, I suspect her expenses for prenatal care will simply be out of your pocket. Our policy (and I think this is pretty typical) began coverage of H at placement (as soon as bmom signs the papers placing him in your physical custody, which, in our state at least, is different from the TPR) So our policy covered his delivery and the nursery bill. Since you're in advance of the birth now, can you come to an agreement on the hospital you'll use for delivery so that you will be in network? If you're working with an agency, they should be able to help you with this. One piece of advice (learned the hard way, I'm afraid) When the placement's signed, call the hospital billing office immediately and give them your information. Better still, fax it or send it to them in writing and then confirm that they got it. Write down everyone's name that you talk to. Ours screwed stuff up so that the bmom's family was getting a bill for months after H was born. Talk about pouring salt into a wound.

Our boys were both on medicaid (not sure if this is standard, or happened to be our agency's policy) until the adoption was completely finalized, which was when they were 9 months. Even after the placement hearing, they were covered by medicaid... If you are going through an agency, I'd ask them - otherwise, I'd do as HBV suggested - be vigilant in recording EVERYTHING...