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Some Health Insurance Plans For The Expectant Mom
Excitement over a pregnancy could easily turn into worry and anxiety if a lady has no health insurance coverage. The Pregnancy Discrimination Act of 1978 was created to keep pregnant ladies from being discriminated against regarding health insurance. Unfortunately, this act does not apply to companies with less than 15 employees or individual health policies. Even if a lady has health insurance, pregnancy might not be covered unless a rider to the plan is bought. These riders are expensive, have limited coverage and generally have waiting periods from six 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 these difficulties there're options for pregnant ladies who're without health insurance.
The average cost for a standard pregnancy, which includes prenatal and post partum care, could be anywhere from $10,000 to $12,000 so it is essential to find some type of health insurance. For ladies considered low-income there're State programs like Medicaid & WIC that could help with medical care and nutrition. There is also a federal program called CHIP (Children's Health Insurance Program). These programs are run by the Department of Health (DHS) and even if you do not qualify for Medicaid, there might be other programs available. DHS would be able to give you useful information.
Another choice is a health care discount program. This isn't health insurance so there is no waiting period, deductible, coinsurance or pre-existing clause. Some discounts could be up to 50%. You could also talk to your physician or clinic about possible discounts they might give you, such as a cash discount or they might be able to set up a payment plan. Also, there are some clinics that provide medical services on a sliding scale which goes according to your income. These options will cut your in general pregnancy costs.
Some hospitals have their own maternity plans for ladies who are uninsured. Those plans include prenatal care, ultrasounds, tests, hospital and delivery costs and post partum care for a flat fee. The average cost is about $2,500. The cost may be a little higher if you have a c-section. If the hospital doesn't have their own maternity plan, they could setup a monthly payment plan for you.
Birthing centers are available for ladies who do not have high risk pregnancies. Those centers are staffed by midwives who have 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 are generally located near a hospital, in case of an emergency.
There're a lot of options available to take advantage of. Compare all of the options and benefits available to you before making a decision. This will aid you find the best plan that fits your specific needs.
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