Health Insurance for Pregnant Women
Pregnancy is an exciting time but one that can also be stressful. Expectant mothers have so many different things to think about, from what to name their new baby to what the new nursery should look like. The most important consideration is health, both for mom and baby. The cost of pregnancy, birth and postpartum/postnatal care is in no uncertain terms expensive. This is why health insurance for pregnant women in any income range is important. Luckily it is entirely possible for every pregnant woman, regardless of her income, to obtain health coverage for herself, her unborn child and even a period of time after the baby is born.
Health insurance for pregnant women usually covers regular checkups, prenatal testing like sonograms, weight checks glucose tests, amniocentesis and more. Basically any routine or necessary exam or test will be covered under a maternity policy. Any prescriptions written to the expectant mother should also be covered, but depending on the policy there may be a co-pay. A co-pay is a small amount of money that is required for a prescription, this amount usually ranges from $3 to $15 depending on the policy.
The cost of even one doctor's visit is expensive, and expectant mothers must go for checkups frequently in addition to having various diagnostic tests. Health insurance for pregnant women is imperative to cover the costs and ensure mom and baby get the best care possible. The insurance also covers the birth and a postpartum period for mom and baby that may range up to 12 weeks. The coverage depends on your insurance. For example, employer provided insurance for families may be very different from health insurance bought by a self employed person, or a person who acquires their insurance from a government program.
Government programs like Medicaid have programs that cover pregnant women and their babies. There are income requirements and if you are already receiving employer provided insurance there may be criteria such as how much the insurance costs in relation to your income. To apply for Medicaid, proof of income and certain expenses must be provided. If you do not qualify for Medicaid but still need maternity coverage, check with Social Services or the Department of Human Services in your area regarding other plans that may be available.
Health insurance for pregnant women is a valuable thing to have. If you are wondering about the cost of health insurance, go online and look up free quotes. You can get quoted on all kinds of health insurance policies, including maternity policies. Often a maternity policy is added onto a traditional health insurance package for an individual or family. Comparison shopping with different insurance companies can help you get the features you need in a maternity policy at a price that falls within your budget.
One thing is for sure, with health insurance for pregnant women, the most important concerns of being an expectant mom are taken care of. You can worry less about how you are going to pay for all the expenses related to pregnancy and birth, and more about keeping yourself healthy and stress free. And, you can enjoy your new arrival with the knowledge that you have postpartum coverage that will take care of exams for both you and your baby. After this coverage expires, you can look around for continuing coverage for you and your child.