If you have traditional health insurance through work or a spouse’s work, then you may already have maternity health insurance. However, if you are one of the many women who do not receive health benefits through work, or who is self-employed or under-employed, you may need to purchase your own maternity health insurance.
It is important to understand that even with future healthcare reform that there will be waiting periods to upgrade maternity coverage including copays and deductibles. No reform will allow people to upgrade coverage without a waiting period of probably 6 months or so and expect maternity protection to be no different. If these periods don't exist then people would just upgrade right before a major procedure.
Be aware that many basic individual medical plans do not include maternity health insurance coverage. This means your gynecological visits, tests, prescribed supplements and delivery expenses will not be covered by your insurance unless you pay a large deductible that could cost you thousands of dollars.
If you are planning on becoming pregnant soon or even within the next couple of years, make sure you have maternity health insurance. If you do not already get it as part of your current health insurance, or if you have no health insurance at all, call Compare Health Insurance to get quotes on pregnancy health insurance policies or for an upgrade to your existing policy to include maternity coverage.
The healthcare costs surrounding even a normal pregnancy can easily run into the tens of thousands of dollars. A lack of maternity health insurance can result in skipped doctor visits and poor prenatal care, which can adversely affect the development and health of the fetus. Also, many health insurance companies consider pregnancy a “pre-existing condition”, meaning it is much harder and more expensive to get insurance after becoming pregnant.
So, if you think that there is even a chance of pregnancy in the next few years, make sure you and your future child are covered by maternal health insurance. Compare Carriers would be happy to find the right policy for you.
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