The ways to secure health insurance for pregnant women

How to secure health insurance when pregnant? The cost of health insurance in the U.S. is soaring yet many people, pregnant women especially, need adequate health insurance coverage. A research study conducted by the American Health Association has revealed that more then 13% of pregnant women in the U.S. do not have health insurance. Prenatal visits can be very expensive and the cost of delivery alone may range from $6,000 to $13,000. For this reason, getting health insurance is important. Many insurance companies refrain from providing an insurance policy when pregnancy is assessed as a pre-existing condition. Here are some steps to secure insurance when pregnant.

1. Go online and visit the American Pregnancy Association website. It provides several answers to this problem. Search for websites with appropriate key words that inform you about getting health insurance when pregnant.

2. Inquire about the Medicaid program. This is a federally funded program for low income people. Check if you qualify for this program. With Medicaid, you can receive an insurance policy even when you are pregnant. Locate the nearest office and apply.

3. Get more information about other state programs from the health department office. Depending on your state of residence, you may have several optional programs. For example, Medi-cal is a state program introduced by state of California.

4. Check out peripheral benefits provided by other agencies. For example, WIC is a federal agency offering health services to low income women, infants and children below the age of 5. It provides food supplements and diet information.

5. Get information about discount health care programs. Calculate your monthly fees, deductibles and premium on a particular account and ask for discounts if you pay with cash.



Health Insurance Tips & Warnings

There are different health programs such as MaternityCard that provide discounts of over 50% on doctor’s visit, sonograph reports, hospital accommodations and so on.

There are other programs available all over the U.S. (except Alaska) that can help you to save up to 50% on health care benefits. This is not insurance but a plan to save money on costs associated with pregnancy.

Request for sliding scale at the time of delivery. Many hospitals provide this service, and it saves money.

In case of a normal delivery, you may want to consider opting for a birthing center. The estimated delivery cost is about $3,000 to $4,000, which is 50% less than hospital costs.


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