Notes

Maternity Health Insurance for the Pregnant: Is It Possible?
The short answer is perhaps, because you can find three insurance options you could be eligible for, and two state provided assistance programs. The reason why it's hard to obtain health insurance when you are pregnant is that the insurance firms view being pregnant as a "Pre-existing Condition," and the expenses associated with normal pre-natal and delivery care are much higher compared to 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 first couple of weeks, and premature birth affects more than 1 in 10 California babies). Health insurance companies therefore will decline a credit card applicatoin from a woman that's pregnant during the application. Therefore the mother to be needs to explore other alternative ways of get maternity coverage.

The first alternative is to join a group health insurance plan at the company you work for or your spouse's company. Virtually all group health insurance plans offer maternity coverage. This is simply not an a slam-dunk however, because group health insurance plans have open enrollment periods where employees and dependents could be added to the business health insurance plan. If strep throat symptoms occurs within a couple of months of the open enrollment period, then you can certainly 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 second alternative is for women that have a private or individual medical health insurance plan that does not offer maternity care. In this example you need to ask the insurance provider if they will help you to transfer to a plan that offers maternity coverage. In California, Blue Shield will allow this type of transfer, however the other medical care 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 must have been un-insured for at least 6 months, and also have been declined by a health insurance company. This plan will provide coverage for pre-natal care and delivery costs, and the entire benefits and cost of the program make this one of the greatest options compared to the regular maternity insurance policies, if you can be eligible for it..

If the above options don't assist you to, t here are a couple of non-insurance options. Depending upon what check here live in, you can find government programs to supply assistance and care for pregnant mothers to be, so consult with your STATE DEPT. of Insurance to find out what your neighborhood options are. In California, there is hawaii Medi-cal program (Medi-cal is the California version of Medicaid), and the Access for Infants and Mothers (AIM) program.

In case you are pregnant and do not have health insurance, then you should start with Medi-cal first to see in the event that you be eligible for coverage through their program. Medi-cal provides a zero-cost health plan for women that are pregnant that meet specific income limits. Medi-cal is supposed to cover families and women that are below the federal poverty level. Unless you be eligible for Medi-cal then connect with 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 health insurance and whose income is too high for no-cost Medi-cal. AIM is also available to women who've private medical health insurance plans with a maternity-only deductible or co-payment greater than $500. To qualify for AIM an individual mother's monthly household income should 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 the State of California, and even though funding is usually available, if the program is filled up, then no additional mothers will be enrolled.

Although maternity medical 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 applying for the PCIP plan are your insurance options. The Medi-cal and AIM programs are non-insurance assistance options that can provide maternity care to the uninsured mother. With one of these five choices there must be a solution for all mothers to be.

Tim Thompson is the President of SPF Insurance Services.

Want to find out more about the Best Maternity MEDICAL HEALTH INSURANCE Plans? Then visit http://www.SPFInsurance.com to get instant quotes on Maternity Insurance to your requirements.
Here's my website: https://rentry.co/mfttv