Pregnancy - Insurance Options for a Healthy Mom and Baby
If you are pregnant it's important to know that federal law prevents health insurance providers that cover pregnancy from declining coverage to you based upon a "pre-existing condition.
" There is one caveat though.
The federal law only applies to group health insurance plans.
What that means for you if you are pregnant is that if you happen to change group health plans during your pregnancy, your new group health insurance provider cannot deny your pregnancy related health care claims.
This is good news if you change jobs during your pregnancy or quit work and go onto your spouse's group health insurance plan.
What about if you find yourself pregnant and without health insurance at all? Maybe you have put off getting insurance for yourself because of the costs associated with paying premiums, but if you are pregnant, you should not put off getting insurance any longer.
Your baby is depending on you for proper nutrition and care, which includes proper prenatal medical care.
Proper prenatal care ensures that you and your baby are healthy throughout the pregnancy and that your baby develops normally.
In this situation, it is likely that you will not be able to get health insurance coverage.
If you are in a low-income bracket, you may qualify for Medicaid benefits to cover your health care costs.
If not, you are on your own.
That is why it is so important to obtain health care coverage before you get pregnant in the first place.
If you change health care insurance plans while pregnant, you may run into a waiting period before your new coverage becomes effective.
This happens if you change jobs or go onto your spouse's health care plan.
While a waiting period might not be all that significant in the early portions of your pregnancy, it might be very significant if you are in the last trimester and near delivery.
In that case, you may want to look into COBRA.
Your employer, as long as it has more than twenty employees, is required to carry over your health care coverage for a period of time.
COBRA might bridge the gap between the time when you leave your job and your new health insurance becomes effective.
COBRA premiums can sometimes be quite expensive.
In some states, you can buy a "guarantee issue" individual policy if you can't get COBRA benefits because of the size of your employer.
To qualify, you must have been insured for eighteen months prior.
Keep in mind that these policies can be quite expensive and you might be better off just paying the cost of your prenatal visits unless you are having a high risk pregnancy.
If you need assistance in locating coverage to help cover pregnancy, we can help.
Please visit our website at http://www.
health-insurance-buyer.
com and leave your contact information so we can respond to your request.
" There is one caveat though.
The federal law only applies to group health insurance plans.
What that means for you if you are pregnant is that if you happen to change group health plans during your pregnancy, your new group health insurance provider cannot deny your pregnancy related health care claims.
This is good news if you change jobs during your pregnancy or quit work and go onto your spouse's group health insurance plan.
What about if you find yourself pregnant and without health insurance at all? Maybe you have put off getting insurance for yourself because of the costs associated with paying premiums, but if you are pregnant, you should not put off getting insurance any longer.
Your baby is depending on you for proper nutrition and care, which includes proper prenatal medical care.
Proper prenatal care ensures that you and your baby are healthy throughout the pregnancy and that your baby develops normally.
In this situation, it is likely that you will not be able to get health insurance coverage.
If you are in a low-income bracket, you may qualify for Medicaid benefits to cover your health care costs.
If not, you are on your own.
That is why it is so important to obtain health care coverage before you get pregnant in the first place.
If you change health care insurance plans while pregnant, you may run into a waiting period before your new coverage becomes effective.
This happens if you change jobs or go onto your spouse's health care plan.
While a waiting period might not be all that significant in the early portions of your pregnancy, it might be very significant if you are in the last trimester and near delivery.
In that case, you may want to look into COBRA.
Your employer, as long as it has more than twenty employees, is required to carry over your health care coverage for a period of time.
COBRA might bridge the gap between the time when you leave your job and your new health insurance becomes effective.
COBRA premiums can sometimes be quite expensive.
In some states, you can buy a "guarantee issue" individual policy if you can't get COBRA benefits because of the size of your employer.
To qualify, you must have been insured for eighteen months prior.
Keep in mind that these policies can be quite expensive and you might be better off just paying the cost of your prenatal visits unless you are having a high risk pregnancy.
If you need assistance in locating coverage to help cover pregnancy, we can help.
Please visit our website at http://www.
health-insurance-buyer.
com and leave your contact information so we can respond to your request.
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