Insurance options for pregnant women can be quite complicated if you are not sure what you need and what you want. When it comes to getting appropriate healthcare coverage, there are many options available. As a pregnant woman you may want to explore the various options available for you before actually signing up for any one of them. If necessary however, many women choose to go with their insurance provider either because they cannot find anything else or because of a concern about not getting adequate healthcare while pregnant.
If you are pregnant then there is a good chance that you will need maternity coverage, or at least an option to receive it. It is important to understand that not all health insurance programs for pregnant women offer maternity coverage. If you get insurance from your employer, you may still have to purchase additional maternity coverage as an individual or family policy. Even if you are offered maternity coverage by your employer, you may find that it is inadequate. You may find that you have too many other responsibilities on your plate and that having maternity coverage while pregnant is not worth it.
A good way to make sure you have adequate healthcare coverage is to enroll in a Maternity Health Care Plan (MHC). An Maternity Health Care Plan is typically less expensive than traditional medical insurance plans because it covers not only healthcare for your pregnancy period, but also regular healthcare costs. Many policies for Maternity Health Care also have Coinsurance Premium which is applied to your monthly premium in order to make sure that you are not paying out of your pocket for care you will not use.
There are also short-term healthcare insurance programs for women that are designed specifically for those that are pregnant or breastfeeding. A short-term plan can provide you with basic medical care until you give birth. If you become ill during this time, then you can enroll in your short-term plan to receive coverage for the rest of your pregnancy. Short-term policies do not have the same deductibles and co-pays as other insurance programs and can be more affordable depending on which provider you choose to use.
When considering an Maternity Health Care option, you should consider the type of medical bills you will have to pay if you become ill. For a woman who is not yet 37 weeks pregnant, most health insurance plans offer some coverage towards hospital bills and for-confidence check-ups. In most cases, if you become ill in the first six months of your pregnancy you may be able to enroll in an additional short-term plan that will cover the costs of doctor visits, lab fees, and prescription drugs. In most instances, you will not be able to enroll in these services until after you have given birth. For a woman that has already given birth, a Maternity Health Care plan is not often offered because it can be difficult for new mothers to return to work immediately following childbirth. However, if you find yourself in this situation you should consider enrolling in a short-term plan to cover unexpected healthcare expenses. You should also inquire about any possible financial assistance that you may be eligible for with your insurance company so that you can cut down on the out-of-pocket expenses.
If you are currently covered by an employer-sponsored health care plan or Medicaid, you may be able to enroll in the Medicare program if you are pregnant. However, in order to apply for Medicare you will need to have been employed for a minimum of 30 days. Some pregnant women that are not offered Medicaid or Medicare may qualify for federal or state-funded healthcare programs such as Temporary Assistance for Needy Families (TANF) or Medicaid-Medications. If you are enrolled in Medicare, you will need to call your Medicare provider or visit the Medicare website to find out what services you are eligible for and the application procedures. For other types of healthcare assistance, you will need to contact your state health department to see if you are eligible for Medicaid and/or a Medicare supplement.