Health And Maternity Insurance
If you are currently expecting and need health care insurance
, you will probably find that the road ahead will be rough. Health insurance carriers know that they are likely to lose money on you and are unlikely to offer you insurance.Since this is true, your options are likely to be limited, but there might be some ways that you can lower your health care bills. In some situations, health care insurance carriers are mandated to provide insurance.
You might qualify for group health care insurance. You could qualify for a government-sponsored policy through your city, county, your state or the federal government. You could be able to get the cost of your hospital stay lowered through negotiation.
You will probably get turned down for an individual health insurance policy, if you applied while pregnant. However, if you already have a medical insurance policy, you will not be dropped from the health insurance contract because you are expecting unless you applied too recently.
Many health care individual policies will eliminate coverage for pregnancy. If you have one of these health care insurance policies and are carrying a child keeping could still be worthwhile.
Why? Because most of these policies will cover the complications of pregnancy. The complications of pregnancy may considered a sickness. Normal pregnancy is not.
You might want to look at other alternatives if your current plan doesn't cover normal maternity expenses. If you do, make sure that you keep your current plan until you have another plan in place. This can save you a lot of money.
Employer-sponsored medical insurance, if available to you, will probably be your best alternative. These types of contracts usually have good benefits and will often have good doctors and hospitals.
Group medical insurance might be available to you through your employer. If your child is due is after the company's next open enrollment period, you could be able to get the bulk of your pregnancy costs covered by that plan. Getting group health care insurance is often the best alternative.
If your spouse or domestic partner qualifies for group medical insurance, you might be able to get health insurance through his or her contract. You will probably need to wait until the next open enrollment period to request insurance through the policy.
Open enrollment periods usually happen once annually, but there are exceptions. You can typically be placed on your spouse's insurance if you apply right after you get married. A child can usually qualify to get on a parent's plan if he or she applies before he or she is 30 days old.
Employer-sponsored insurance is often available to the self-employed. In many areas, an individual can qualify for group coverage. You could be able to get coverage this way as the primary insured or as a dependent.
There could be plans offered through your state, town or county. You could qualify for Medicaid. These government-sponsored plans should be investigated if coverage through private health care insurance isn't available to you.
You may want to ask your OB/GYN or your local planned parenthood to see what choices are available in your area. Choices available in different states, towns and counties vary widely. Be sure to do your homework before giving up.
You may be able to lower your pregnancy bills by prepaying your bill at the hospital. Prospective patients often find that the hospital will give them a deep discount if they are able pre-pay.
Shopping around for a less pricey obstetrician and hospital can also be a good idea. Hospitals in the same area can charge very differently. It can be worthwhile to compare prices for medical care.
This time before your baby is born shouldn't be a time where money is paramount in your mind. However, doing what you can to reduce your costs can make being a mom and give you more resources to devote you your baby.
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