Tuesday, August 13, 2013

The Facts About Insurance For Pregnancy

Did you know that many women in the United States do not have insurance for pregnancy? This is mainly because pregnancy is considered a pre-existing health condition and when you are pregnant, you will be turned down for health coverage. It is costly to have this rider added to your insurance policy before you become pregnant and most companies have a qualifying period of three months to a year after you purchase a policy for maternity coverage to take effect.

However, there are ways in which you can get the insurance for pregnancy that you need. Medicaid is a federally sponsored program for low income families. Pregnancy is not considered to be a pre-existing medical condition for this program, which is available to those earning less than $30,000 per year, but requirements vary from state to state. Once you are accepted for this program, the costs of medical treatments you receive are paid directly to the health care provider and the hospital. In California there is a program called Medic-al that also accepts pregnant women.

Having a Maternity Card, while this is not insurance for pregnancy, will help deter some of the major expenses associated with having a baby. You not only have to look at the cost of having your baby in a hospital, but there are costs associated with pre-natal visits, lab tests and ultrasounds during the pregnancy. When you have this card, you have a comprehensive medical plan to cover you for all your medical needs, and not just those connected with being pregnant.

Ameriplan is one of the insurance companies that do offer low cost insurance for pregnancy. You will find that the premiums for such health insurance providers are far cheaper than other policies and cover you for all health problems. Even if you are already pregnant, you can purchase a comprehensive policy with no limits on the services you receive.

All medical conditions are accepted and you can choose from over 400,000 physicians in the network. However, this insurance coverage is not available in Montana, Wyoming, North Dakota, South Dakota, Vermont or Alaska. In Florida, you cannot have Ameriplan insurance, but you can still enjoy discounts on the medical services you receive.

With insurance for pregnancy through Ameriplan, you do not have to pay a deductible and there are various health plans to choose from. In addition to having maternity coverage you can also enjoy vision, dental and chiropractic coverage.

It will take you some time to search for insurance for pregnancy to find a policy that meets your financial needs. It is advisable to plan ahead, not necessarily to plan a pregnancy, but to plan for the event of a pregnancy so that you have the coverage in place when it does happen. If you have health coverage under your employer's plan you should inquire whether it has maternity coverage. It may be cheaper for you to buy into extra coverage under this plan than it is to take out private health insurance for this purpose.

In order to determine how much insurance for pregnancy you will need, you should check out the costs of having a baby in your state. This will give you an idea of what you would have to pay without such coverage and make you realize how vital this insurance is for the finances of your family.

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