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Maternity MEDICAL HEALTH INSURANCE for the Pregnant: IS IT FEASIBLE?
The short answer is perhaps, because there are three insurance options you can qualify for, and two state provided assistance programs. The reason it's hard to get health insurance when you are pregnant is that the insurance firms view being pregnant as a "Pre-existing Condition," and the costs connected with normal pre-natal and delivery care are much higher than the combined monthly premiums for a maternity health insurance plan. Plus, if there are any complications then your costs quickly climb at an exponential rate (a premature baby might have over $30,000 - $85,000 in medical costs in the initial couple of weeks, and premature birth affects a lot more than 1 in 10 California babies). Medical health insurance companies therefore will decline a credit card applicatoin from a woman that's pregnant at the time of the application. So the mother to be needs to explore other alternative ways of get maternity coverage.

The first alternative would be to join a group health insurance plan at the business you work for or your spouse's company. Almost all group health insurance plans offer maternity coverage. This is simply not an a slam-dunk however, because group medical health insurance plans have open enrollment periods where employees and dependents can be added to the company health insurance plan. If your pregnancy occurs within a couple of months of the open enrollment period, then you can use this option and simply pay for the cost of the early prenatal visits out of pocket, until you are on the group plan.

The next alternative is for women which have a private or individual medical health insurance plan that will not offer maternity care. In this situation you should ask the insurance company if they will help you to transfer to an idea that offers maternity coverage. In California, Blue Shield will allow this kind of transfer, however the other medical insurance companies will not.

The third alternative would be to make an application for the Pre-Existing Condition Insurance Plan (PCIP) that was developed by HEALTHCARE Reform. To qualify for this plan you must have been un-insured for at the very least 6 months, and have been declined by way of a health insurance company. This plan will provide coverage for pre-natal care and delivery costs, and the entire benefits and cost of the plan make this one of the best options compared to the regular maternity insurance plans, if you can qualify for it..

If the above options don't help you, there are a handful of non-insurance options. Depending upon what state you live in, there are government programs to supply assistance and look after pregnant mothers to be, so check with your State Department of Insurance to find out what your local options are. In California, there is the state Medi-cal program (Medi-cal may be the California version of Medicaid), and the Access for Infants and Mothers (AIM) program.

For anyone who is pregnant and do not have health insurance, you then should focus on Medi-cal first to see if you qualify for coverage through their program. Medi-cal offers a zero-cost health arrange for pregnant women that meet specific income limits. Additional info -cal is intended to cover families and women which are below the federal poverty level. Unless you qualify for Medi-cal then connect with the AIM program.

DESIRE TO Program is low-cost health care coverage for pregnant women, and is provided for middle-income families who don't have medical health insurance and whose income is too high for no-cost Medi-cal. AIM can be available to women who have private health insurance plans with a maternity-only deductible or co-payment greater than $500. To qualify for AIM a single mother's monthly household income should be between $2,453 to $3,679 (there is a table with income ranges for families with other children at ( www.aim.ca.gov/Costs/Income_Guidelines.aspx ). DESIRE TO program is funded by hawaii of California, and even though funding is normally available, if this program is chock-full, then no additional mothers will be enrolled.

Although maternity health insurance is not usually available after you become pregnant, you can find options that may provide insurance plan and non-insurance assistance. Joining an organization health insurance plan through your company or your spouse's company, transferring to a plan that offers maternity coverage, or trying to get the PCIP plan are your insurance options. The Medi-cal and AIM programs are non-insurance assistance options that are designed to provide maternity care to the uninsured mother. With one of these five choices there must be a solution for several mothers to be.

Tim Thompson may be the President of SPF Insurance Services.

Want to find out more about the Best Maternity Health Insurance Plans? Then visit http://www.SPFInsurance.com to obtain instant quotes on Maternity Insurance to your requirements.
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