A Few Insurance Policies For The Expecting Mom

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

The average cost for a normal pregnancy, that includes prenatal and post partum care, can be anywhere from $10,000 to $12,000 therefore it's essential to find some type of health insurance. For women considered low-income there're State programs like Medicaid and WIC which can aid with medical care and nutrition. There's 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 don't qualify for Medicaid, there might be other programs available. DHS would be able to give you helpful info.

Another option is a health care discount program. This is not health insurance thus there is no waiting period, deductible, coinsurance or pre-existing clause. Some discounts can be up to 50%. You could also talk to your physician or clinic about possible discounts they may give you, like a cash discount or they may be able to set up a payment plan. Also, there're many clinics that provide medical services on a sliding scale which goes according to your income. These options will cut your overall pregnancy costs.

Some hospitals have their own maternity plans for ladies who are uninsured. These policies include prenatal care, ultrasounds, labs, hospital and delivery costs and post partum care for a flat charge. The average cost is regarding $2,500. The cost may be a little higher if you have a c-section. If the hospital does not have their own maternity plan, they could setup a monthly payment plan for you.

Birthing centers are available for women who don't have high risk pregnancies. These centers are staffed by midwives who've years of experience delivering babies. The centers offer package rates that 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 usually located near a hospital, in case of an emergency.

There're a lot of options out there to take advantage of. Compare all of the options and advantages available to you before making a decision. This will help you find the greatest plan that fits your particular needs.

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