Getting Health Insurance For Pregnant Women
Although it is important for everyone to have a health insurance, it is particularly important in the context of pregnant women. The reason is obvious: there are many things that can go wrong during pregnancy, or could be made better if the woman is aware of certain facts. Therefore, it is essential that pregnant women periodically receive check-ups in order to make sure the pregnancy is progressing properly and there are no detectable problems with their unborn child.
That being said, many pregnant women do not possess any form of health insurance. This is dangerous: it has been statistically demonstrated that children born to women who have not received medical treatment during their pregnancy are more likely to have low birth weight, as well as higher incidents of death.
In fact, according to the AMA (American Health Association), 41 million Americans do not possess health insurance, this includes roughly 13% of pregnant women in the United States. These facts are tragic, since many unfortunate situations could be prevented if these women had possessed health insurance.
Prenatal checkups can be very expensive, not to mention hospital and delivery charges which could cost $10,000 or more. Furthermore, if there are complications, such as premature birth or the woman requires a cesarean section, the costs would be much greater. Therefore, it is strongly recommended for pregnant women to find a way to obtain health insurance.
Unfortunately, most health insurance companies simply do not accept pregnant women, with their rationale being that their pregnancy is a pre-existing condition. There are ways to overcome this obstacle (which we will shortly discuss), however, the lesson here is that if you are an uninsured woman reading this, and you intend to become pregnant, it may be very wise to go ahead and obtain health insurance now, as this could prevent a lot of potential problems later on. The following are a few useful and practical tips on how uninsured women may obtain health insurance:
First, shop around, search the internet, for health insurance companies who can provide pregnancy health coverage and discounted health care coverage. These days it is easy to get free instant quotes from multiple providers online. Some may very well be more affordable than others.
Second, there are federally funded health insurance plans for low income people. Medicaid allows an uninsured woman to enroll in such a plan even if she's pregnant. Another program is CHIP. It may be worthwhile to check the plans offered by your state: there are occasionally programs local to a specific state.
Third, check with other agencies, such as WIC. WIC offers low income women and children under 5 to get health services. It also provides food supplements.
Finally, if you are in a position where you have several options, make sure you choose your plan carefully: choose the plan which covers all the benefits you may require. For example a hospital-only plan will not cover visits to a physicians clinic. - 23211
That being said, many pregnant women do not possess any form of health insurance. This is dangerous: it has been statistically demonstrated that children born to women who have not received medical treatment during their pregnancy are more likely to have low birth weight, as well as higher incidents of death.
In fact, according to the AMA (American Health Association), 41 million Americans do not possess health insurance, this includes roughly 13% of pregnant women in the United States. These facts are tragic, since many unfortunate situations could be prevented if these women had possessed health insurance.
Prenatal checkups can be very expensive, not to mention hospital and delivery charges which could cost $10,000 or more. Furthermore, if there are complications, such as premature birth or the woman requires a cesarean section, the costs would be much greater. Therefore, it is strongly recommended for pregnant women to find a way to obtain health insurance.
Unfortunately, most health insurance companies simply do not accept pregnant women, with their rationale being that their pregnancy is a pre-existing condition. There are ways to overcome this obstacle (which we will shortly discuss), however, the lesson here is that if you are an uninsured woman reading this, and you intend to become pregnant, it may be very wise to go ahead and obtain health insurance now, as this could prevent a lot of potential problems later on. The following are a few useful and practical tips on how uninsured women may obtain health insurance:
First, shop around, search the internet, for health insurance companies who can provide pregnancy health coverage and discounted health care coverage. These days it is easy to get free instant quotes from multiple providers online. Some may very well be more affordable than others.
Second, there are federally funded health insurance plans for low income people. Medicaid allows an uninsured woman to enroll in such a plan even if she's pregnant. Another program is CHIP. It may be worthwhile to check the plans offered by your state: there are occasionally programs local to a specific state.
Third, check with other agencies, such as WIC. WIC offers low income women and children under 5 to get health services. It also provides food supplements.
Finally, if you are in a position where you have several options, make sure you choose your plan carefully: choose the plan which covers all the benefits you may require. For example a hospital-only plan will not cover visits to a physicians clinic. - 23211
About the Author:
Tom Harkenshire has been dealing for decades with Health Insurance . In this article he pondered the necessity of obtaining health insurance for pregnant women, and suggested ways for an uninsured woman to get health insurance. To read more articles that will help better understand Health Insurance procedures, visit his site, The Guide To Health.
posted by X - Men @ 2:19 AM
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