A year ago we were in the middle of monthly prenatal visits. By summer it was every other week, and in mid-August, I was going once a week. These visits ensured my doctor that the baby growing inside was healthy and ready for this world. He also monitored my health during the nine months, and when I went in for the scheduled caesarean, we were anxiously awaiting the birth of our baby girl. A month later we were receiving bills from the clinic, hospital, surgeon, anesthesiologist, etc. It made us wonder how someone could afford to have a baby if they weren't under any medical insurance coverage. The problem is some aren't, but it's important to know there's health insurance maternity options available for the joyous occasion.
If you're looking for a medical insurance plan, make sure maternity is a part of the insurance coverage. Even in traditional health insurance plans, there are different layers of coverage, with some not covering maternity. This way if you would get pregnant, none of the cost of having a baby would be covered. There are also different deductibles of coverage, so if it's possible, make sure there's a manageable deductible. You could possibly have the birth paid off before the baby's even born.
Pros:
* Maternity coverage could save money later.
* Low deductibles will allow you to have birth paid off fast.
Cons:
* Not checking into health insurance maternity options prior to being pregnant could create huge bills.
* A high deductible can still make pregnancy expensive.
It's also important to know that there are options online where a quote for health insurance maternity options would be given within minutes. Once you find a plan that works for you, sign up so you can be ready to start a family.
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