Pregnancy Insurance | American Pregnancy Association
Pregnancy insurance is one of the best ways to minimize the expenses that will come with your prenatal care and hospital stay when you give birth. If you don’t have maternity insurance, you can expect to spend around $10,000-$12,000. In 2011, the average cost of labor and vaginal delivery in a hospital was $10,657. this can increase by 50% or more if you have an emergency or scheduled C-section. the cost of either can increase dramatically if there are any complications.
how to get pregnancy insurance
Under the Affordable Care Act, there have been many changes to health insurance, including pregnancy insurance. All qualified health plans (both in-market and out-of-market) are now required to provide maternity care and delivery health benefits.
Reading: How to get health insurance when your pregnant
Before the Affordable Care Act, only a few insurance plans automatically provided maternity coverage. for some plans, such coverage had to be ordered as an add-on. Also, if a woman tried to apply for maternity coverage after becoming pregnant, the coverage was often unavailable or more expensive.
Fortunately, pregnancy coverage is now much more accessible. If you don’t have health coverage through an employer, Medicaid, or CHIP (Children’s Health Insurance Program), you can find an insurance plan through the Marketplace. To learn more about getting health coverage through the Marketplace, visit www.healthcare.gov.
If you already have health insurance, it’s important to know whether or not your plan is grandfathered. protected insurance plans are those that were in effect on March 23, 2010 and have not been materially altered to affect consumer benefits or the cost of insurance to consumers.
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Individual vested plans you buy yourself (not work-based vested plans) are not required to provide maternity and childbirth benefits. If your plan is grandfathered, contact your insurance company to determine what coverage you have.
medicaid pregnancy insurance for pregnant women
if you don’t have coverage through the marketplace or an employer, another option would be to apply for medicaid and/or chip to cover maternity and childbirth health benefits. eligibility is based on income requirements, which vary by state and are different for medicaid and chip.
In addition, several states have expanded their income requirements. As such, even if you didn’t previously qualify, you may now be eligible. You can also apply for these programs at any time during the year.
health care discount programs for maternity coverage
A discount service is ameriplan. This discount plan is currently available in all states except Alaska, Montana, North Dakota, South Dakota, Vermont, and Wyoming. ameriplan can reduce the cost of health care services by up to 50% or even more in some cases. benefits include physician, hospital, and ancillary services (ie, lab work, tests, x-rays). Because Ameriplan is not an insurance plan, all pre-existing conditions are covered (except for ongoing orthodontic treatment). There are no deductibles, no waiting periods, no claim forms, and no annual limits. For more information, you can visit ameriplanusa or call toll-free (800) 647-8421.
options for managing costs without maternity insurance
Some additional ways to help you manage costs related to prenatal care and labor include:
If you’re giving birth in a hospital, you can contact your accounting office to see if you can set up a payment plan or find out if they offer a sliding scale. Although many hospitals offer these options, they are often ignored by those who would benefit from knowing about them.
- If you don’t have a high-risk pregnancy, consider giving birth in a birthing center. the estimated cost of delivery and prenatal care in a birthing center is $3,000 to $4,000, which is half of what it would cost in a hospital. Many birthing centers also offer sliding scales, payment plans, and are willing to accept Medicaid.
- maternity center
- create your birth plan
- understanding a high-risk pregnancy
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compiled using information from the following sources:
1. birth connection. (North Dakota.). US average facility charges for giving birth.
2. ehealthinsurance services, inc. (North Dakota). maternity insurance coverage.
3. U.S. medicare centers & medicaid services (north dakota.). a one page guide to the health insurance marketplace.
4. U.S. medicare centers & medicaid services (north dakota.). protected health insurance plans.
5. U.S. medicare centers & medicaid services (north dakota.). pregnant women.