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by prncesjessie on June 11th, 2005

prncesjessie

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I'm pregnant, but I don't have insurance. I was told that insurance companies won't cover me because pregnancy is a "pre-existing" condition. I can't afford to pay for everything out of pocket, what options do I have?

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  • by ggonnigan on June 13th, 2005

    ggonnigan

    WIC (Women Infants & Children) is a federal agency that serves to safeguard the health of low-income women, infants and children under the age of 5, who are at nutritional risk by providing nutritious foods to supplement diets, information on healthy eating and referrals to health care. You can get more information on WIC at http://www.fns.usda.gov/wic/


    Medicaid, a federal funded program for low income persons, will accept women who are already pregnant. To locate an office near you go to http://www.cms.hhs.gov/medicaid/consumer.asp.


    You may find that there are other options, depending on your state, which provide additional programs for women who are pregnant such as Medi-cal from the state of California. You can check with your local department of health at:
    http://www.americanpregnancy.org/links/healthdepartments.html


    However, if you are not eligible to receive state or federal assistance, there are many alternatives to traditional health insurance and Medicaid. These alternatives offer a discount on your healthcare and may help you out. Here are a few examples.

    MaternityCard is a discount health program that can save you up to 60% on doctor’s visits, lab work, sonograms, your hospital stay and much more. MaternityCard is not insurance but it works with a National Preferred Provider Maternity Network. For a low monthly fee, MaternityCard can provide you with a comprehensive maternity plan. You can receive these benefits even after you have found out that you are pregnant. For more information you can call (888) 498-4905 or visit www.maternitycard.com


    AmeriPlan is a discount plan that is currently only available in Texas. AmeriPlan saves people up to 80% on their health care services. Since AmeriPlan is not insurance, all pre-existing conditions are covered (except orthodontic treatment in progress), there are no deductibles, no waiting period, no claim forms and no annual limits. For more information on this discount program you can go to: http://www.bestusahealthplan.com/jdh/index.php or call 877-257-8423.


    Smart Health Care Solutions is not insurance but an affordable alternative to the soaring costs of health care. All pre-existing conditions are accepted. As an Association, Smart Health Care Solutions is committed to providing members with access to healthcare providers at reduced rates that are both nationwide and affordable regardless of any pre-existing health conditions. For more information you can go to: http://www.smarterbenefits.com/index.php or call 1-800-618-0607

    Other Options

    If you are delivering at a hospital you can contact the account office and talk to someone about setting up a payment plan or ask if they offer a sliding scale. Many hospitals do offer these, but they are not utilized because people do not know what is available to them.

    If you are having an uncomplicated pregnancy you may want to consider giving birth at a birthing center. The estimated cost of a delivery and prenatal care at a birthing center is about $3,000 – $4,000. This is half of what it would be for a delivery at a hospital. Many birth centers also provide sliding scales, payment plans and accept Medicaid.


    Reference Link:

    http://www.americanpregnancy.org/planningandpreparing/affordablehealthcare.html

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