Some Medical Insurance Policies For The Expecting Mom

Excitement over a pregnancy can easily turn into worry and anxiety if a woman has no health insurance coverage. The Pregnancy Discrimination Act of 1978 was created to keep pregnant ladies from being discriminated against about health insurance. Unfortunately, this act does not apply to companies with lower than 15 employees or individual health policies. Even if a lady has health insurance, pregnancy may not be covered unless a rider to the policy is purchased. These riders are expensive, have limited coverage and normally have waiting periods from 6 months to more than a year. A report by the National women's Law Center in 2009 showed that only 13% of 3,600 national policies covered pregnancy. Even with those difficulties there're options for pregnant women who are without health insurance.

The average cost for a normal pregnancy, which includes prenatal and post partum care, could be anywhere from $10,000 to $12,000 therefore it is essential to find some kind of health insurance. For ladies considered low-income there are State programs such as Medicaid and WIC that could aid with medical care and nutrition. There is also a federal program called CHIP (Children's Health Insurance Plan). These programs are run by the Department of Health (DHS) and even if you do not qualify for Medicaid, there may be other programs available. DHS will be able to give you helpful information.

Another choice is a health care discount program. This is not health insurance so there is no waiting period, deductible, coinsurance or pre-existing clause. Many discounts could be up to 50%. You can also talk to your doctor or clinic about possible discounts they may give you, such as a cash discount or they might be able to set up a payment plan. Also, there're some clinics that provide medical services on a sliding scale that goes according to your income. These options will cut your in general pregnancy costs.

Many hospitals have their own maternity plans for women who are uninsured. These plans include prenatal care, ultrasounds, tests, hospital and delivery costs and post partum care for a flat charge. The average cost is about $2,500. The cost may be a little higher if you've a c-section. If the hospital doesn't have their own maternity plan, they can set up a monthly payment plan for you.

Birthing centers are available for women who do not have high risk pregnancies. Those centers are staffed by midwives who've years of experience delivering babies. The centers offer package rates which include prenatal and postpartum care, birthing classes and the delivery. There is a more personal and homey feel at a birthing center and they're normally located near a hospital, in case of an emergency.

There are many options out there to take advantage of. Compare all of the options and benefits available to you before making a decision. This will aid you find the greatest plan that fits your specific needs.

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