Maternity Insurance & Pregnancy Health Articles
About Maternity Health Insurance
Source: American Pregnancy Association
Over 41 million Americans are uninsured, and many of those who are insured are underinsured. As a result, there are approximately 13% of women who become pregnant each year who are not insured, which often results in inadequate prenatal care.
Another challenge uninsured pregnant women face is that some insurance plans consider pregnancy a pre-existing condition. Medicaid, a federal funded program for low income persons, will accept women who are already pregnant. However if you are not eligible to receive Medicaid, it can still be a challenge to pay for all the prenatal visits and delivery. The estimated cost of delivery alone is $6,000-$8,000 for a normal pregnancy, and the cost increases if it is a high risk pregnancy.
This is the crisis that many pregnant women find themselves facing when they learn that they are pregnant. The excitement of being pregnant is quickly dissolved by the worry and anxiety of financial burden.
Goverment Funded Programs
Medicaid is a state run program that is federally
funded. Medicaid provides medical assistance for low-income families
and individuals. To locate an office near you go to Centers
for Medicare & Medicaid Services.
WIC is a federal agency that serves to safeguard the health of low-income women, infants and children under the age of 5. WIC provides nutritious foods to supplement diets, information on healthy eating, and referrals to health care. To get more information you can go to Women, Infants and Children (WIC).
Health Care Discount Programs
There are many alternatives to traditional health insurance and Medicaid. These alternatives offer a discount on your health care and may help you out. Make sure to check with your health care provider to find out what discount you would receive if you paid cash. Take monthly fees, deductibles and premiums into account.
OTHER OPTIONS FOR MANAGING HEALTHCARE COSTS
Here are some additional ideas for helping you manage the costs related to prenatal care and birth:
If you are delivering at a hospital, you can contact the account office and talk to someone about setting up a payment plan or ask if they offer a sliding scale. Many hospitals do offer these, but they are not utilized because people do not know what is available to them.
If you are having an uncomplicated pregnancy you may want to consider giving birth at a birthing center. The estimated cost of a delivery and prenatal care at a birthing center is about $3,000 – $4,000. This is half of what it would be for a delivery at a hospital. Many birth centers also provide sliding scales, payment plans, and accept Medicaid.
Remember to enjoy this time and don’t allow the financial burden
to take away your excitement.