How do you find maternity health insurance?
One big concern a lot of younger families have is how to afford a pregnancy. All of the well care, doctor's visits, tests, and hospital stays for a normal birth cost thousands of dollars. If extra care is needed, that number can multiple quickly. How do you find some insurance to help cover these costs, and also to make sure your baby is covered after he or she is born?
Group medical plans cover a lot of people, and that is a typical answer. If one spouse has a job with an employer who offers group health, that is a simple solution to this problem. However, millions of people are self employed, contract workers, unemployed, or just work at a job that does not have these benefits!
Individual health insurance is probably the second answer. But while complications of pregnancy should be covered under the medical insurance, routine pregnancy is not usually included. If it is, it is probably a rider (option) with an extra cost.
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If you, or your spouse, is already pregnant and without coverage - individual major medical is out of the question in any case. They will certainly not accept the risk of covering a new applicant who is already pregnant. But if you have no health insurance, you still have some more options.
You may get help from CHIPS or Medicaid if you income is low to moderate. You may also be able to use a county health system, low cost clinics, or find financial assistance from a private charity. PPARX.org has some good resources.
Some hospitals and/or doctors have payment plans if your income and assets are higher.
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