Being pregnant is one of the most important and beautiful phases of women live as well as the most crucially hazardous too, hence the need of maternity health insurance. Nine month of pregnancy is one of biggest wait for everybody’s parent in the world. Not only that you’re excited to see your baby for the first time but also because there is big risk for the mother and the baby during the pregnancy. One little mistake could be fatal when you’re expecting a baby. This is why the maternity health insurance is important. It gives you certainty and comforts that your expected baby will get medical care when something unexpected happen. Its better that you get the health insurance once you are planning to have a baby or at least right after you find out that you are pregnant because it can help you should you’re unhealthy during the early phase of pregnancy to give the considered necessary medical support and prevent you from being exposed to pay for unexpected cost.
How to Apply for Maternity Health Insurance
To apply for maternity health insurance you can follow the following instructions:
1. Try to apply for the Medicaid. As we are all probably know, there is government funded health insurance for pregnant women available in every US state, territory as well as the district capitol. To be able to get the government funded pregnancy health insurance once must have a household income of less than 133% of the current poverty level. Have to be noted that in some states prospective mother with higher household income can qualify for the insurance by considering some other variables. To get the insurance, you can simply visit the State Health Facts website then look for the word “Medicaid”. Click on the keyword and then look for Children’s Health Insurance Program (CHIP) in which the maternity insurance program is listed. Apply by adding your last year’s tax return as the proof of your eligibility for the program.
2. Look to apply for a Maternity Discount Program where you can get up to 60% discount for maternity medical care. Check for AmeriPlan and Maternity Advantage for further information about this.
3. The last resort is to apply for private health insurance. You can get various maternity health insurance programs from some major insurance companies like Carefirst, Aetna or Kaiser. There are several programs available with different options of deductibles and co-payment. Choose wisely according to your need.
0 comments :
Post a Comment