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First and foremost, if you are planning on becoming pregnant, you need to make sure you have health insurance coverage that includes maternity health care. If your bundle of joy is unexpected and you find yourself without insurance, you are not alone. The sheer joy of being pregnant can quickly turn to feelings of anxiety and financial burden unless you have maternity health insurance to help defray costs and keep nerves from fraying.
It is an enormous task to be a pregnant woman and deal with the stress of not being able to afford the proper prenatal care for your baby. Medicaid, a federal funded program for low income families will accept women who find themselves in this situation. But, not everyone can qualify for Medicaid and could easily find themselves unable to afford proper prenatal care. If you do not have insurance, and are planning on becoming pregnant, you need to get insurance as soon as possible.
Choosing a Maternity Insurance Policy
Here is what to look for in a good health insurance policy:
- Paid hospitalization for your room, board, and incidentals
- Surgical expense which covers all surgeon fees
- Physicians’ expense insurance pays doctor visits
- Major medical offers broad coverage for catastrophic illness or injury
Some additional benefits you may need might include:
- Prescription drugs
- Preventive care
- Mental health benefits
- Maternity care
- Vision care
Types of Maternity Insurance Plans
There are generally two categories health insurance plans can fall under. First, the indemnity plan which allows you to choose your own doctors and pays for all your medical expenses. They will pay everything up to a specified amount per day for a specified number of days. Secondly, the managed care plans which can offer a broader coverage but will have an arrangement between the insurer and healthcare provider network. This means your primary care physician will refer you to specialist in the network for all of your specialized care.
The indemnity plan
Point-of –service (POS) – this plan is combination of the HMO and PPO. You will choose an in-network physician for a primary care provider, but you can go outside your network. If this if referred by your primary care provider there is no out-of- pocket expense.
When making a decision for your maternity health insurance, there are a few more things to consider based on your level of income, and the needs and size of your family. Your monthly premium should be considered when making this decision. You may choose to go for a low monthly premium for insurance that is less flexible. You might want to look for a low co-payment, and a low deductible. A deductible is required by some of the indemnity plans; this is the amount you pay before your insurance company will pay claims.
As you can see, there are several choices you will have when considering the right health insurance during pregnancy. The most important aspect of prenatal care is to have insurance in place before you become pregnant. This will make for the most relaxed and enjoyable experience for you and your family.
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