Pregnancy And Health Insurance
Pregnancy is one of the most exciting periods of any woman's life
. Wondering whether their little bundle of joy will be a boy or a girl, but really not caring, feeling the movement of another life growing inside, and preparing for bringing the new addition to the family home are just a few of the things that contribute to the anticipation of a new baby. Along with pregnancy, however, comes the reality of health insurance.With rising health care costs, more and more families have chosen to go with health insurance policies that cover less than ever before. Some families have even opted out of any pregnancy or labor coverage to reduce premium costs, particularly those that are not planning to have children or have had procedures completed to help prevent pregnancy. But the truth is, that very procedures are 100% successful, even those thought to be foolproof, such as having tubes tied.
Statistics don't lie- there is generally still a change to get pregnant regardless of multiple birth control techniques. Don't be a statistic and be faced with insurmountable bills related to your little bundle of joy- get health coverage for an unexpected pregnancy before it is too late. This is the best choice when it comes to pregnancy and health insurance, and prevents and restrictions or coverage denials just in case of a surprise.
Women that are unable to obtain this type of coverage for one reason or another still have other options. With the importance of prenatal care receiving more and more recognition, states have begun to offer more funding for this care. Medicaid, WIC, and other local pregnancy resources generally offer a variety of assistance programs.
Another option is to look for health care discount plans, which are not insurance but still offer discounts on services received. Specific discounts and the cost of plan vary based on company and service provider, but for something such as pregnancy, the savings generally outweigh the cost. One of the drawbacks of this option is that many providers already offer discounts to individuals without insurance.
Pregnant women without health insurance should ask their provider about discounts for the uninsured. Often anyone who pays for the service the day of will receive a hefty discount, usually from 40 to 80% off the original price. In addition, most providers offer the option of payment plans to divide up the cost.
For expensive procedures and the labor itself, hospitals generally have some type of financial assistance program that may be applied for as well. Though these generally require an overwhelming amount of paperwork and required documents, this is well worth the effort as it can result in the entire bill being paid for by the charitable foundation.
Though health insurance is just one more thing to think about when it comes to being pregnant, it is nevertheless extremely important. Ensuring that you will be on solid financial standing when your little one arrives is just as important as the baby supplies, so be sure that this is not forgotten.
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