My Insurance Insider and Finance Blog

Image via WikipediaIf you’ve become pregnant,then congratulations and your baby is most welcome in this world.But a bit of concern for you is that approximately 13%(780,000) pregnant women don’t have access to pregnancy or maternity insurance or coverage resulting in inadequate & concerning prenatal care.

Here’s the pregnancy insurance stats for reference-

a. 13% of all pregnancy are uninsured,

b. 12% of all birth are premature,

c. 57% of uninsured pregnant women neglect their prenatal care, till six months of their pregnancy

d. At any given point, 40-80 million Americans are remain uninsured, and

e. Approximately 1 in 10 American babies are born under-weight.
It is possible that you may have a health insurance that doesn’t cover maternity benefits or you may be under-insured.But getting maternity benefits through maternity health insurance is going to be tough for you, if you’re already pregnant.In that you’ll have to look for other alternatives.

And the good alternatives are applying for Medicaid as it accepts pre-existing conditions, if you’re qualified for it. Medicaid is a federal govt. funded state insurance program, administered by states for low-income individuals & families. Medicaid money is paid directly to your health-care service providers for the health-care services you received.

So, in case of Medicaid insurance, your pre-existing condition of pregnancy is acceptable. The only criterion you’ve to qualify is your level of income that varies from state to state. If you earn less than $30,000.00 a year, you are normally qualify for Medicaid and that’s the most economical way of getting good health-care services.

You may find other options that serves additional programs such as Medi-cal that accepts pre-existing conditions, from the state of California.For details info, you may locally contact your Health Departments by State.

WIC(Women,Infants and Children) is another federal agency that safeguards the health of low-income women, infants & children under age of 5 by way of providing supplemental foods, nutrition education, health-care referrals,infants & children,who are at nutritional risks(For more info,visit here:http://www.fns.usda.gov/wic/).

There are a lot of alternatives to Medicaid and traditional pregnancy health insurance.They are heavily discounted alternative routes and smoothly help you out of the crisis.

Maternity Card:Although its not an insurance itself, it works with a National Preferred Provider Maternity Network that provides you with a comprehensive maternity plan, even if you’re a pregnant

AmeriPlan is another heavily discounted(up to 50%) health-care plans that are available in almost all states except Alaska. And by paying a specified monthly subscription, as per various product plans, you can get into its nation-wide services through vast network of service providers.

AmeriPlan covers all pre-existing conditions(except orthodentic treatment in progress) and you don’t have to think about deductibles, annual limits,waiting period, claim form & other formalities(For details,check here:http://ameriplan.com/).

Personal Prenatal Care:It consists programs like exercise, nutrition, vitamins, regular Check-ups, things to avoid during pregnancy that fosters healthy pregnancy.

Birth Center:This is a health-care option that serves you to provide you with homely environment, safe & securely.Its affordable and provides you with economical maternity services.

Home Birth:Some women are having a sort of fascination to have a birth naturally.And Midwives normally perform the major role in home birth.Home-birth costs around 60% less than the traditional hospital birth.

Now, that you’re pregnant, you may love to get into a program like Pregnancy Week By Week as your baby is growing inside you.

If you want to add anything or like to comment,please go for it and do it down the page in the box.Please don’t forget to sign-up for my Free Newsletter and look for a lot of tips,free gifts,cool stuff. Its all totally free.

To your safe birthing

Kaushik