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A woman naturally
gets excited when she finds out that she is pregnant. In many cases,
this happiness is soon diminished when the financial burden of
having a child is realized. Thirteen percent of American women who
become pregnant have no maternity insurance coverage. They face the
risk of inadequate pre-natal care and must find their own resources
for funding the cost. If the pregnancy is complicated, this adds to
the burden.
Even those with insurance may find to their dismay that maternity is
not covered. A costly add-on premium may be required. Some insurers
do not offer maternity coverage or consider it a pre-existing health
condition. This is illegal by Federal law, and there are several
loopholes.
There are many group insurance plans that do provide maternity
coverage as a service to members. There may be a waiting period of
three months to one year before the clause becomes effective. What
happens if one becomes pregnant during the waiting period? If you
are carrying COBRA (extended coverage from a previous employer),
check to see if maternity is covered. This may be costly but well
worth it.
Some states have plans for pregnant women like Medi-cal in
California. Federally sponsored programs like Medicaid also exist,
but they are mostly for low-income groups.
Another option is MaternityCard. It is designed to provide help to
pregnant women and is well accepted. This covers a wide spectrum of
maternity medical needs and less expensive than regular insurance.
Ideally, maternity coverage begins immediately. There are some women
that naturally get excited when they finds out that they are
pregnant. In many cases, this happiness is soon diminished when the
financial burden of having a child is realized. Thirteen percent of
American women who become pregnant have no maternity insurance
coverage. They face the risk of inadequate pre-natal care and must
find their own resources for funding the cost. If the pregnancy is
complicated, this adds to the burden. There are some plans that have
a 30-day waiting period. Always study the package that is offered
before accepting it.
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