subject: Manage Maternity Costs Without Health Insurance [print this page] Manage Maternity Costs Without Health Insurance
Are you worried because you, or a loved one, is pregnant without medical benefits. This can be a big problem today. Pregnancy related health care and deliveries can generate large bills. However, it is a priority to make sure that the mother and baby stay healthy.If you are pregnant without health benfits, this is not a good time to panic. It is a time to seek out solutions. Even though the most routine pregnancy and delivery can cost thousands of dollars there are ways to manage maternity costs, even without proper coverage. Of course, it is always easier to make sure that you have good health benefits before getting pregnant. That does not work out for everybody. Pregnancies are not always planned. Let us consider some solutions. The federal and state governments do have programs to help pregnant women get good health care. Some of these are for families with low to moderate incomes. Medicaid is the federal health plan for people with very low incomes. It is different in different states. You must look for the Medicaid program in your state to get more information and applications. CHIPS (Children's Health Insurance Program) covers children from low to moderate income families. It also covers pregnant mothers. As with Medicaid, this program is administered at the state level. If you think you may qualify, you can search for the CHIPS program in your state. These two programs help many Americans who are having trouble affording health care. Your county may also have a hospital system with a program that can help people who struggle with different types of medical costs. You can try to search for the hospital disctrict in your home county to see if there is a program that can help you. For example, if you live in the Houston area, the Harris County Hospital Discrict has a program caled the Gold Card. These programs may charge by using a sliding fee scale. Your income will affect the amount of money you will pay. Even if your income is higher, it can still be tough to come up with enough cash to pay for materntiy costs. Your still have options. You can find hospitals and doctors with payment plans. Find out if any doctors or hospitals have maternity payment programs. There are also private foundations that provide funds to help families cover health costs. You can search for local foundations or charities that may provide help in the form of cash payments, clinics, or interest free loans. In some cases, your state's high risk health insurance plan may help. High risk health pools can be expensive. They may also have waiting periods. Not every applicant qualifies either. If you have a decent income, but are still worried about health bills, you should find out about the plan in your state. If you, or a family member, is pregnant, it is very important to get good health care. This care can be very expensive, but there are ways to manage these costs.
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