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A Couple Of Medical Insurance Policies For The Pregnant Mom
Excitement over a pregnancy could easily turn into worry and anxiety if a lady has no health insurance protection. The Pregnancy Discrimination Act of 1978 was created to keep pregnant women from being discriminated against regarding health insurance. Unluckily, this act does not apply to companies with lower than 15 employees or individual health policies. Even if a lady has health insurance, pregnancy may not be covered unless a rider to the plan is bought. These riders are costly, have limited coverage and usually have waiting periods from six 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 those difficulties there're options for pregnant women who're without health insurance.
The average cost for a standard pregnancy, that includes prenatal and post partum care, can be anywhere from $10,000 to $12,000 so it's essential to find some kind of health insurance. For ladies considered low-income there are State programs like Medicaid & WIC which can help with medical care and nutrition. There's also a federal program called CHIP (Children's Health Insurance Plan). These programs are run by the Department of Health (DHS) and even if you do not qualify for Medicaid, there may be other programs available. DHS would be able to give you useful info.
Another option is a health care discount program. This isn't health insurance therefore there is no waiting period, deductible, coinsurance or pre-existing clause. Many discounts could be up to 50%. You can also talk to your physician or clinic about possible discounts they might give you, like a cash discount or they may be able to set up a payment plan. Also, there are many clinics that provide medical services on a sliding scale that goes according to your income. These options will cut your in general pregnancy costs.
Many hospitals have their own maternity plans for ladies who are uninsured. Those policies include prenatal care, ultrasounds, labs, hospital and delivery costs and post partum care for a flat fee. The average cost is regarding $2,500. The cost may be a little higher if you've a c-section. If the hospital doesn't have their own maternity plan, they can setup a monthly payment plan for you.
Birthing centers are available for ladies who don't have high risk pregnancies. These centers are staffed by midwives who have 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're normally located near a hospital, in case of an emergency.
There are a lot of options available to take advantage of. Compare all of the options and advantages available to you before making a decision. This will help you find the best plan that fits your certain needs.
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