How To Get Health Insurance While Pregnant

Seeking Health Insurance While Pregnant Is Not Impossible

By Meha Ahmad, InsuranceAgents.com Staff Writer

While the cost of U.S. health insurance continues to rise, none suffer more than patients with “preexisting conditions,” and, unfortunately, that includes expectant mothers. Women need health insurance while pregnant, to promote good health for both mom and baby. But the trick to getting affordable health insurance is to buy it before a woman is carrying, not after. Getting affordable health insurance while pregnant is no easy task. To find low rates now, compare health insurance quotes by using our quick online forms located here.

Approximately 13 percent of pregnant women each year are not insured. What does that mean for the baby mom is carrying? Poor prenatal care. If you don’t have health insurance while pregnant and lack the funds to visit the doctor regularly on your own dime, you face risks like your baby being underdeveloped, both you and the baby being robbed of necessary nutrients and vitamins, complications in your pregnancy, even a miscarriage.

5 Ways To Find Health Insurance While Pregnant

Once the mother is carrying, nothing can really be done except to find affordable health insurance while pregnant. For those mothers who are uninsured, trying to find health insurance while pregnant can be tricky, but not impossible.

1. Look into government-funded programs. Ask about Medicaid, a government-sponsored program for low-income individuals and families. For mothers-to-be looking for health insurance while pregnant, the great thing about Medicaid is that it doesn’t disqualify applicants if they are pregnant.
2. Ask about WIC. WIC is a federal agency that promotes the health of low-income women, infants and children under the age of 5. They can provide nutritious and supplement diets as well as prenatal information to mothers. They can also refer you to providers who may give you health insurance while pregnant.
3. Healthcare discount programs. Programs like Maternity Advantage and AmeriPlan, are not insurance. Because of this, they cover nearly all preexisting conditions. For moms who can not find health insurance while pregnant, these programs can be just the thing they need, helping patients save up to 50-60 percent on healthcare services (doctor visits, lab work, hospital stay, etc).
4. Check your state health department – Every state is different, and yours may offer its own health coverage program. See if your state offers individuals some kind of program or state health insurance while pregnant.
5. Look for a group plan. Typically, the plans with the most coverage and for the lowest rates are employer-sponsored group plan. If you’re looking for health insurance while pregnant, you (or your spouse. Group plans usually extend coverage to family members) should ask your employer or potential employers if they offer a group plan that includes maternity coverage.

Seeking Health Insurance While Pregnant Requires Help

When hunting for adequate health insurance while pregnant, never hesitate to ask for the help of advice of a professional. Talk to health insurance agents to find health insurance quotes in your area online using our quick quote comparison service located here. Remember, finding affordable maternity coverage and healthcare is easiest if it’s done before you’re pregnant, but seeking and obtaining health insurance while pregnant is still better than no health insurance at all.

Published: Monday 19th October 2009