<prompt> Human: My husbands previous job was through a contracting position - he was full time with the agency, and contracting with a very widely known company. He was verbally offered a job at this widely known company after many interviews, it was confirmed he got it by the managers, but they strung him along for 8 months not giving him any paperwork and simply leaving him in the dark. When he went to complain to HR about the way the managers handled the situation - something about the companys credo idk - they told him it doesnt apply to him since hes not a real employee.Pride hurt and feeling taken advantage of hes really good at what he does, he went looking for other jobs.Meanwhile at home, husband and I are having trouble conceiving a baby. I did manage to get pregnant positive test the day he was offered the job! it was crazy! but then I lost it two weeks after, once things began to get shady at his company. He fell into a depression but finally, months later, he was offered a new job!I should be happy for him. Only - all I can think of is finances. It is keeping me up at night.We have an appointment with a fertility specialist this Thursday which weve been waiting ages for. We found out about the new job on Monday and he immediately put in his 2 weeks. Ive been told by him that we should have our insurance at least for this whole month of April. So I am keeping the appointment.But with fertility management comes a lot of bloodwork, ultrasounds, appointments. And if I actually do manage to get pregnant, thats going to be a whole bunch of other bloodwork, ultrasounds, appointments, to make sure everythings going the way it should. Its going to be a lot of money and without insurance, borderline impossible.And two months doesnt actually mean two months - its two working months, right? So its closer to 3 months?There is COBRA but its going to cost us 3k I think, according to my husband. Because his job is a horizontal change with the same pay, I feel like this is actually a demotion.I am wondering: Is COBRA worth it? Should we just stop trying for a baby for 3 months, even after all this time? How should I even tell the fertility specialist? Oops - Sorry, were just here for the initial appointment. See you in 3 months! Edit: I should mention that the initial appointment will also be the diagnosis discussion, as they have my hormone bloodwork and a recent internal ultrasound done - there would normally be a plan of action after this first appointment, including potential medication if not simply drawing blood We had to wait 3 months 90 actual days at this job hes at now for insurance to start. Do we get those 90 days back at all? Because that would seriously be great. Is there somewhere on the United Healthcare website I can see how long we have left of it? I have a medication for my thyroid that I need to take. Will the pharmacist let me buy 3 months of it upfront?Ive been asking my husband to ask HR at his contracting agency but he keeps saying, There is no HR.My husband is excited about his new job and I want to be too, but I am stressed to hell about these upcoming months with no insurance. I was desperately looking forward to this fertility appointment and now everything has come crashing down.I dont know what to do.Assistant: what is the timeline w dates of his putting in his 2 weeks and his last day? If his last day falls in May, he may have coverage until the end of May... youd have to check the paperwork. HR would be the best place to look for this and not actually Uniteds website... In fact, Im surprised HR hasnt told you this already. Each policy is different.And two months doesnt actually mean two months - its two working months, right? So its closer to 3 months?as for what two months means, youd have to check with the new company. It could mean 60 days... each policy is different.Is COBRA worth it?IMO, it is worth it for life threatening issues - you find yourself in an ambulance after an accident so you elect COBRA retroactively. Or illness like cancer when the bills are astronomical even with health insurance.Should we just stop trying for a baby for 3 months, even after all this time?The next few weeks will be stressful, do you really want to add that onto the stress of attempting for a baby. Or hell, the stress could make it better for a baby, I think sometimes people who struggle with fertility give up and then all of a sudden find out they are pregnant. Again, this just depends. Maybe you guys have tons of good sex when youre stressed out as a way to relieve the stress and some magical position gets the sperm to meet the eggs. How should I even tell the fertility specialist? Oops - Sorry, were just here for the initial appointment. See you in 3 months! It could very well be 3 months until the specialist has any open appointments, you never know.We had to wait 3 months 90 actual days at this job hes at now for insurance to start. Do we get those 90 days back at all? Because that would seriously be great. I dont think you get your 90 days back at the end of employment, lolIs there somewhere on the United Healthcare website I can see how long we have left of it? United isnt going to be helpful here, it is going to be HR. Im surprised they dont have a document that says when your last date of coverage is.I have a medication for my thyroid that I need to take. Will the pharmacist let me buy 3 months of it upfront?Ask your doctor to write you a 3 month prescription right now. Go get it filled. Human: Thanks for the response! I think his last day is right at the end of April, unfortunately. The 27th. Man, really bad timing.As for the specialist, this is the diagnosis appointment where wed walk away with the plan of action - only without insurance, I feel like the appointment is now going to be pointless, since we cant act on anything for another two months.Ill ask him if hes gotten anything from HR but he keeps telling me there isnt any HR. Its really driving me nuts! Because of course theres got to be someone who knows whats going on at his company!  <response>: As someone who went through the fertility specialist process, I dont think the appointment is going to be pointless. You may have to delay acting on the plan - but at least you will have a plan. It may be frustrating to delay further progress for a month or two, and it may feel like forever when youve already been waiting and trying for something, but two months will seem like nothing once the ball gets rolling and you can move forward. Also, the last thing you want when going through fertility treatments is extra stress. Go to the appointment, be honest with the doctor about the situation, make a plan, and then work towards that plan once things are more settled. You, your body, and with any luck your future baby will all be healthier for it! Edited to add: When I was pursuing IVF, ironically the first step was going on birth control so that my cycle synced up with some of the early treatments. If thats the case for you, the timing may work out perfectly anyway. 