If you are planning for a baby in the future, or if you are already pregnant, you may have some concerns about all of the health care you will need to make sure that you protect your health, and the health of the baby. It is easier to plan if you are planning for a future arrival, but if you are already pregnant, you still have some options.
Here are some options to get medical coverage so you can have a healthy baby.
One common way to cover the cost of having a baby is with an employer provided group medical plan. These usually provide very comprehensive coverage so you can be sure that most of the costs will be paid for. However, millions of Americans lack group medical benefits.
These people could turn to private insurers if the woman is not already pregnant. But actually, maternity options are rare in the individual health insurance market. And you must have the policy in place before you start working on making a baby! If you are planning for a future pregnancy, you probably want to search for private health insurance with a maternity rider.
Understand that major medical insurance should cover any pregnancy complications. But it may not cover normal maternity care or deliveries unless that is spelled out in the policy.
Right now, individual insurers will decline pregnant women. You must take the policy in advance. Perhaps in the future, with health reform, this will not be true. But according to the news, those changes will not be in force for about 4 more years. I am not exactly sure what sort of pregnancy benefits that future policies will have either.
You may not like the idea of relying on public or charity support. But the important thing is for people to do everything they can to have a healthy baby and healthy parents. This really does more good in the long run. With that in mind let’s look at some options.
Every state has some sort of high risk health insurance pool, but not everybody qualifies for it. In many cases, premiums are expensive and deductibles are fairly high. Now the CHIPS program is the federal and state public health insurance option for children from low to moderate income children does also cover pregnant women. This is a viable option for many families. And the newborn children should also be covered as soon as they are born. You could look for information on CHIPS, Medicaid, and High Risk Health Pools in your state.
Your county may have a hospital system that will provide services on a sliding fee scale depending upon your income. You may also find financial aid resources on a website like PPARX.org.
Do you have a higher income or some savings?
Many doctors and hospitals can help you with a pre-paid service. This gives you a way to pay out the normal cost of doctors and hospitals. You can call area hospitals to find out more. I have even seen some listed on the internet.
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