Even though everyone should ideally possess Health Insurance, when dealing with pregnant woman this becomes a necessity, as two (or more) lives are a stake here. Clearly in every pregnancy there is a risk of complications and many things that can go wrong, thus, it is absolutely essential that a pregnant woman is regularly seen by a physician, to monitor the state of the pregnancy, as well as offer useful advice and guidance.
Unfortunately, many pregnant women do not have health insurance. It has been statistically shown that when they deliver, their babies are more likely to have low birth weight and higher incidents of death.
What may come as a surprise to the reader is the large number of Americans that do not possess health insurance (some 41 million US citizens). Consequently, about 13% of pregnant women in this country do not possess health insurance as well. This is dangerous for the women as well as their unborn children.
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.
One obstacle that uninsured pregnant women face is that most companies simply do not accept them, on the grounds that the pregnant is a pre-existing condition. Although there are ways to overcome this (which we will shortly discuss), ideally if you are an uninsured woman who intends to get pregnant soon, please obtain health insurance beforehand. This may save a lot of grief (and worse) 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 some federally funded programs which offer healthcare coverage for low income people. Medicaid, for example, allows you to enroll in a health insurance plan even when you are pregnant. An additional program is CHIP. Some states have specialized programs for this purpose: investigate whether your state offers one.
Third, look for additional benefits provided by other agencies. WIC is a federal agency that offers health services to low income women and children under 5, and also provides food supplements.
In conclusion, if you are in this position and yet are able to get several possible health plans, choose your plan carefully. Specifically, make sure your plans covers everything that you need (i.e. a hospital only plan will not cover visits to a physician's clinic).
Unfortunately, many pregnant women do not have health insurance. It has been statistically shown that when they deliver, their babies are more likely to have low birth weight and higher incidents of death.
What may come as a surprise to the reader is the large number of Americans that do not possess health insurance (some 41 million US citizens). Consequently, about 13% of pregnant women in this country do not possess health insurance as well. This is dangerous for the women as well as their unborn children.
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.
One obstacle that uninsured pregnant women face is that most companies simply do not accept them, on the grounds that the pregnant is a pre-existing condition. Although there are ways to overcome this (which we will shortly discuss), ideally if you are an uninsured woman who intends to get pregnant soon, please obtain health insurance beforehand. This may save a lot of grief (and worse) 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 some federally funded programs which offer healthcare coverage for low income people. Medicaid, for example, allows you to enroll in a health insurance plan even when you are pregnant. An additional program is CHIP. Some states have specialized programs for this purpose: investigate whether your state offers one.
Third, look for additional benefits provided by other agencies. WIC is a federal agency that offers health services to low income women and children under 5, and also provides food supplements.
In conclusion, if you are in this position and yet are able to get several possible health plans, choose your plan carefully. Specifically, make sure your plans covers everything that you need (i.e. a hospital only plan will not cover visits to a physician's clinic).
About the Author:
Tom Harkenshire has been dealing for decades with Health Insurance. In this article he discussed 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 comprehend Health Insurance procedures, visit his site, The Guide To Health.
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