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Maternity Health Insurance for the Pregnant: Is It Possible?
The short answer could very well be, because there are three insurance options you could qualify for, and two state provided assistance programs. The reason it's hard to get health insurance if you are pregnant is that the insurance firms view being pregnant as a "Pre-existing Condition," and the expenses connected with normal pre-natal and delivery care are higher than the combined monthly premiums for a maternity health insurance plan. Plus, if there are any complications then the costs quickly climb at an exponential rate (a premature baby can have over $30,000 - $85,000 in medical costs in the initial few weeks, and premature birth affects a lot more than 1 in 10 California babies). osteopenia will decline a credit card applicatoin from a woman that's pregnant during the application. Therefore the mother to be must 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 during which employees and dependents could 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 certainly use this option and simply pay for the expense of the early prenatal visits out of pocket, and soon you are on the group plan.

The next alternative is for women that have a private or individual medical health insurance plan that does not offer maternity care. In this situation you should ask the insurance company if they will allow you to transfer to an idea that provides maternity coverage. In California, Blue Shield will allow this type 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 Health Care Reform. To be eligible for this plan you'll want been un-insured for at the very least 6 months, and also have been declined by way of a health insurance company. This course of action 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 when compared to regular maternity insurance plans, if you can be eligible for it..

If the above options don't help you, there are a couple of non-insurance options. Dependant on what state you live in, there are government programs to supply assistance and care for pregnant mothers to be, so consult with your State Department of Insurance to determine what your local options are. In California, there is hawaii Medi-cal program (Medi-cal may be the California version of Medicaid), and the Access for Infants and Mothers (AIM) program.

Should Additional info be pregnant and don't have health insurance, then you should focus on Medi-cal first to see if you be eligible for coverage through their program. Medi-cal provides a zero-cost health plan for pregnant women that meet specific income limits. Medi-cal is intended to cover families and women which are below the federal poverty level. Unless you be eligible for Medi-cal then apply to the AIM program.

The AIM Program is low-cost health care coverage for women that are pregnant, and is provided for middle-income families who don't possess medical health insurance and whose income is too high for no-cost Medi-cal. Additional info is also available to women who've private health insurance plans with a maternity-only deductible or co-payment greater than $500. To be eligible for AIM a single mother's monthly household income must be between $2,453 to $3,679 (there exists a table with income ranges for families with other children at ( www.aim.ca.gov/Costs/Income_Guidelines.aspx ). The AIM program is funded by hawaii of California, and although funding is usually available, if the program is filled up, then no additional mothers will undoubtedly be enrolled.

Although maternity medical health insurance isn't usually available after you become pregnant, there are options that may provide insurance coverage and non-insurance assistance. Joining an organization health insurance plan through your company or your spouse's company, transferring to a plan that provides 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 these five choices there should be a solution for several mothers to be.

Tim Thompson may be the President of SPF Insurance Services.

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