The gift of life is a joyous and wonderful occasion. But unfortunately it is sometimes overshadowed by an ominous cloud of financial uncertainty. Unfortunately, 13 percent of women who become pregnant this year will be uninsured. That is not even taking into account the much larger number of pregnant women who are underinsured. That is why every woman who is planning on going through a pregnancy should consider pregnant woman health insurance or maternity health coverage of some kind. Policies and options do exist, and they can be incredibly helpful in making a pregnancy more economical.
Pregnant woman health insurance is a form of supplemental health insurance that can be purchased from a health insurance company. It serves to cover the high costs that come with the nine months of pregnancy. You can find the most competitive pregnant woman health insurance rates by comparing pregnant woman health insurance quotes online.
Pregnancies can cost up to $8,000 and sometimes more if it is a high risk pregnancy. A quality pregnant woman health insurance package will include coverage for:
*C-section coverage if applicable
*Additional coverage if applicable
Some insurance companies require that the policy be purchased before the start of the pregnancy. This is an important stipulation because so many pregnancies aren’t planned. However, those women can turn to different types of maternity health coverage other than insurance. For example:
*Medicaid – A federally funded but state run program, Medicaid provides assistance for low-income individuals and families for medical purposes.
*WIC – A federal program that serves women and children under the age of 5, WIC provides nutrition and other benefits for those in need.
*AmeriPlan – Available in every state except Alaska, AmeriPlan is a maternity health coverage option that can save you up to 50 percent on healthcare. Its benefits include coverage for most of the coverage that insurance policies offer but without the claims, deductibles, limits, etc.
*Maternity Advantage – For a low monthly fee you can save up to 60 percent on doctor’s visits, hospital stays, lab work, etc. You can request free information to learn more about this maternity health coverage option.
It is highly recommended that women planning on becoming pregnant seek out maternity health insurance prior to pregnancy. Also, at the time of securing the supplemental insurance, women should find out exactly how long they must have the insurance prior to becoming pregnant. The amount of time varies anywhere from 1 month to 3 months, generally. If pregnancy takes place prior, the provider will not cover the pregnancy.
Pregnant Woman Health Insurance Or Maternity Health Coverage?
They both serve the same purpose in making sure you do not have to worry about the financial aspect of your pregnancy, but pregnant woman health insurance and maternity health coverage work in different ways. Talk to your health insurance agent about pregnant woman health insurance. And then get your hands on more in depth information about some state and federally funded healthcare options so you can make the decision that is best for you and your future family.