Maternity Insurance
Maternity Insurance Made Simple
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maternity health insurance
Unless you happen to live in one of the five guaranteed issue health insurance states (NY, NH, MA, VT and ME) or you currently have a group health insurance plan, finding maternity insurance coverage will be like looking for a needle in a haystack. Most major carriers have eliminated the option to add maternity coverage.
Does It Pay To Have Maternity Insurance Coverage?
The plan might have deductibles and coinsurance of another $2,500 to $5,000. The cost for having a baby with health insurance is $7,300 to $9,800. Instead of purchasing maternity insurance there are other plans available that can reduce your maternity expenses.
Limited Benefit Plans – These are guaranteed issue health insurance plans that cover maternity the same way they cover having your tonsils out. There are a number of these plans at different price points.
Recently, we found a plan that will pay close to $7,000 for a two day hospital stay for maternity.
Group Health Insurance - Just about all group health insurance plans cover maternity. If you are self-employed it can be difficult to find a true group health insurance plan. We do have information for Group of One health insurance plans that are available in about 15 states. They cover maternity and, if you currently have health insurance, will cover you even if you are already pregnant.
Maternity Health Insurance Coverage
Thirteen percent of American women who become pregnant have no maternity insurance coverage. They face the risk of inadequate pre-natal care and must find their own resources for funding the cost. If the pregnancy is complicated, this adds to the burden.
Some insurers do not offer maternity coverage or consider it a pre-existing health condition. What happens if one becomes pregnant during the waiting period? If you are carrying COBRA (extended coverage from a previous employer), check to see if maternity is covered. Some states have plans for pregnant women like Medi-cal in California. Ideally, maternity coverage begins immediately. Thirteen percent of American women who become pregnant have no maternity insurance coverage.
Affordable Health Care Options therefore offers hope in the form of the “Maternity Card”. The name precisely means that – Affordable Health Care Options! In truth, maternity insurance is not considered so important by plenty of health insurance programs.
Where those companies that do offer maternity insurance coverage are concerned, they provide group insurance plans. A plan called Medi-cal maternity insurance is meant for residents of California only. The remaining costs are covered by the woman herself (gross family income contributes 2%).
Low-income groups can turn to Medicaid for help, where a few maternity insurance benefits are available sometimes.
Pregnant women with no insurance can go for it. Even women with health insurance that does not include maternity insurance, can opt for Maternity Card.
Writer : Kent Pinkerton,Martin Unger
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