Are You Pregnant With No Insurance? Health Care Reform May Help
From Articles by Kevin Haney
pregnant no insurance
For years Medicaid was the only option for women who became pregnant but had no health insurance coverage. Medicaid is designed for low-income workers, so many women find that their income is too high to qualify for this benefit. Health care reform has created another option, but like Medicaid it’s not for everyone. With passage of the Healthcare Reform Act pregnant women without insurance have a new option: the high risk pool. The act calls for each state to set up a temporary insurance plan for people with pre-existing conditions who have been uninsured for at least six months. Medicaid has income qualifications for categorically and medically needy groups. Contact your local state office for income guidelines. If you can qualify, Medicaid is your best option as it begins coverage almost immediately and will cover your prenatal care needs.
For those who do not meet the Medicaid income guidelines your state high risk pool is a new option. Your pregnancy is a pre-existing condition.
In most states your office visits, prenatal and maternity care, hospital care, and some certain infant formulas will be covered. This plan is administered by each state, but the plan is federally subsidized so the premium costs may be lower than what you might find elsewhere where pre-existing conditions preclude you from getting coverage.
The drawback to this plan is the six month without creditable coverage requirement.
Do You Know Someone Pregnant Without Insurance?
From Articles by Allan Grogan
There are many women facing a pregnancy without insurance and a means to pay for it, everyday! Insurance companies are not in the business of paying for preexisting conditions, and have an application that prevents them from being responsible for the costs associated with a pregnancy.
There is a solution through a few companies classified as consumer driven health care. It is a discount health, major medical, and dental plan that accepts any and all people, irregardless of any prior medical conditions! The application for protection does not include health or dental questions.
It also includes a hospital advocate team that negotiates all occurrences that also includes a hospital stay or outpatient over $2,500.00. The negotiation considers the individuals income and the ability to repay the bill along with the negotiated discount. That constitutes approximately 13% of pregnancies in our nation. There is a dramatic need to aid and help these ladies get appropriate medical attention and prenatal help. Traditional insurance cannot be of service, because of its definition and underwriting rules and regulations.
So, if you or any one you know is faced with a pregnancy without insurance, there is a way to get help in a big way with these discounted health, major medical, and dental plans that is classified as consumer driven health care.
Please check information about dizziness during pregnancy!
