There is a lot of excitement and anticipation that surrounds the event of having a baby. However, there are also a lot of costs involved too, especially the maternity costs. But you can get a lower cost health insurance for pregnant women, if you plan early and get coverage before you get pregnant.
In these times a lot of women wait to get pregnant and plan out their family life. Some choose to get their careers started before even thinking about that little bundle of joy, so as to be able to provide a more financially stable life for the family. And the planning does not stop there. Many women also plan ahead for getting insurance coverage to help cover the maternity and delivery costs associated with their pregnancy. After all, everyone wants to have a healthy baby and the best way to do that is to get appropriate prenatal care, which can be costly.
Not only will you be visiting your doctor on a regular basis, up to every week in the last month, but you will also have to get a battery of tests at the beginning and throughout the pregnancy to be sure that you and the baby are healthy. All these visits and tests can add up to quite a tidy little sum if you do not have health insurance for pregnant women. And, if by chance these initial routine tests come back abnormal, then you may have to endure even more tests including ultrasounds, amniocentesis, or other costly procedures.
Unfortunately I did not have insurance when I was expecting my baby, so I know how important it is to plan and obtain health insurance coverage before you get pregnant. The maternity costs alone were in the thousands and the birth and day in the hospital alone was nearly $10,000. And if I would of had to have a C-section, I don't know what I would have done. I would probably still be paying it back to this day.
So don't make the same mistake I made. Find out how much it would cost you to get health insurance for pregnant women before you start your family. And if you are already expecting right now, then it might not be too late. Many insurance companies will still cover the pregnancy, albeit at a higher insurance premium than if you weren't pregnant. But a monthly premium could still be less than paying all your prenatal and maternity costs out of pocket.