Notes

Maternity MEDICAL HEALTH INSURANCE for the Pregnant: Is It Possible?
The short answer is perhaps, because you can find three insurance options you can qualify for, and two state provided assistance programs. The reason why it's hard to get health insurance while you are pregnant is that the insurance firms view carrying a child as a "Pre-existing Condition," and the costs connected with normal pre-natal and delivery care are higher compared to the combined monthly premiums for a maternity health insurance plan. Plus, if you can find any complications then your costs quickly climb at an exponential rate (a premature baby can have over $30,000 - $85,000 in medical costs in the first few 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 during the application. Therefore the mother to be needs to explore other alternative ways of get maternity coverage.

The first alternative would be to join a group medical health insurance plan at the business you work for or your spouse's company. Virtually get more info offer maternity coverage. This is not an a slam-dunk however, because group health insurance plans have open enrollment periods during which employees and dependents could be added to the business medical 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 second alternative is for women that have an exclusive or individual medical health insurance plan that will not offer maternity care. In this situation you should ask the insurance company if they will allow 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 is to apply for the Pre-Existing Condition Insurance Plan (PCIP) that was created by HEALTHCARE Reform. To qualify for this plan you'll want been un-insured for at the very least 6 months, and have been declined by way of a health insurance company. get more info provides coverage for pre-natal care and delivery costs, and the overall benefits and cost of the program make this one of the best options compared to the regular maternity insurance plans, if you can be eligible for it..

If the aforementioned options don't assist you to, there are a couple of non-insurance options. Depending upon what state your home is in, there are government programs to supply assistance and look after pregnant mothers to be, so consult with your State Department of Insurance to determine what your local options are. In California, there's 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 start with Medi-cal first to see if you be eligible for coverage through their program. Medi-cal offers a zero-cost health plan for women that are pregnant that meet specific income limits. Medi-cal is supposed 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 have medical health insurance and whose income is too much for no-cost Medi-cal. check here can be available to women who've private medical health insurance plans with a maternity-only deductible or co-payment higher than $500. To qualify for AIM a single mother's monthly household income must 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 the State of California, and even though funding is normally available, if this program is chock-full, then no additional mothers will undoubtedly be enrolled.

Although maternity medical health insurance isn't 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 an idea 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 can 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 get instant quotes on Maternity Insurance for your needs.
Website: https://www.folkd.com/submit/yemekso.com/how-to-deal-with-strep-throat-symptoms//