How to Get Low Cost Maternity Health Insurance Posted: 10-30-07 12:32pm
Fifteen percent (15%) of American women do
not have maternity health insurance and
face overwhelming medical bills,
especially if there are medical
complications. Here's how to get low cost
maternity health insurance that could save
you from financial disaster.
What is maternity health insurance?
Maternity health insurance is a health
insurance plan that includes maternity
coverage. As of this writing there are no
stand-alone maternity health insurance
plans. You can purchase one of the
following types of plans to get maternity
coverage:
* An indemnity plan which lets you choose
your own doctor and hospital, but is the
most expensive type of plan.
* A managed health care plan (HMO, PPO,
POS) that assigns you to a network of
doctors and hospitals that you use for
your medical care. These are the cheapest
types of plans.
What does maternity health insurance
cover?
Standard maternity health insurance
policies cover your doctors expenses, your
hospital fees, and your prescriptions
drugs - basically all your maternity
medical expenses.
Can I get maternity health insurance if
I'm already pregnant?
Private insurance companies will not
insure you if you're already pregnant, but
some states offer Medicaid health
insurance, or plans such as California's
Medi-Cal, to low income families. To see
if your your state has a low income
maternity health insurance program, visit
your state's department of insurance
website.
If you're pregnant and don't qualify for
state sponsored maternity health
insurance, the best thing you can do is
call the hospitals in your area and see if
you can negotiate a cheaper than normal
rate. Most hospitals will give you a
discount if you pay cash.
Where can I get cheap maternity health
insurance?
The best way to get cheap maternity health
insurance is to go to an insurance
comparison website where you can get rate
quotes from multiple insurance companies.
