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Affordable Health Insurance For Pregnant Women Question & Answers

2014 February 1
by Sarah Fields

James asks…

Can someone give me advice on good health insurance that offers maternity coverage??

I am looking into individual health insurance because my hubby and I are trying to conceive and I don’t have any. I know I need to have it BEFORE i become pregnant. I don’t know a thing about insurance and can’t seem to find any insurance companies that offer maternity coverage…….I work for a temp agency and have worked for them for a year and a half and their insurance is astronomical so I’m looking on my own. My hubby doesn’t have insurance where he works as a mechanic so i can’t get it through his insurance. Any advice would help!!!!

Sarah Fields answers:

First off, I’ve included links in the Source section to two online articles that do a good job of introducing you to health insurance. Secondly, group health insurance is usually less expensive than buying insurance on your own, so see if your husband can get insurance through work. There might even be a mechanic organization/association that offers health insurance to its members. You might also consider starting with doctors and hospitals you’d like to work with and start your search for insurance there by seeing which health plans these health care providers work with.

If you need financial assistance with pregnancy and prenatal care, I’ve listed some possibilities in the Source section below. The possibilities include free clinics, county health departments, Planned Parenthood, WIC, using a birthing center instead of a hospital, and state programs for women’s health insurance. X

If you would like to consider private health insurance, try using MostChoice.com to find the plan’s that right for you. You’ll be able to research health insurance rates online and you’ll be able to have offline conversations with multiple health insurance agents – all without charge or obligation. Tell the agents what you need and see if they can deliver a health plan that’s affordable and includes the features you need.

Here are some questions to ask about a new prenatal and pregnancy health plan:

•Does it cover prenatal care?
•What prenatal tests are covered?
•What kind of delivery do you want to have and which types are covered?
•Is anesthesia covered?
•Does it cover nursery costs?
•Are sick and well-baby visits covered?
•How much are co-payments, if there are any?
•How much is the deductible?
•Ask to determine how much your bill would be if you used the insurance

You can find it here: http://www.mostchoice.com/health-insurance.cfm

Hope this helps,
Barnes@MostChoice

Lisa asks…

What does it mean that a pre-existing condition exclusion cannot be applied to pregnancy?

I was reading up on HIPAA, and it states that “A pre-existing condition exclusion cannot be applied to pregnancy (regardless of whether the woman had previous coverage), or to genetic information in the absence of a diagnosis.”

Does that mean that pregnancy cannot be considered a pre-existing condition?

Source: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html

Sarah Fields answers:

Under the new Affordable Care Act being pregnant can no longer be considered as a preexisting condition in terms of health insurance. In the past, insurance companies were allowed to deny coverage to a woman that was pregnant at the time of enrollment of their health insurance. They were also allowed to deny coverage to a person that was genetically predisposed to an illness but at the time was healthy. They can no longer deny coverage for this either.

Carol asks…

What are some prevalent social issues surrounding healthcare?

Sarah Fields answers:

I have a friend with a rare incurable disease that is eating away at her body and her brain. As we spend time together, or I drive her to medical appointments these are the types of things that come up in our conversation.

– Privacy regulations surrounding health-care – and the need-to-know for the family caregiver to care for the disabled person with diminishing mental abilities or life threatening conditions (HIP PA too tight)
– Reliable Public transportation at minimal cost for the poor and disabled
– Family Medical Leave or ability to gain hours off work without penalty for the employed family member in order to assist in care, Dr. Appointments, or gaining medicines.
– Rural medical care – availability and consistency of care at higher level.
– Rural ambulance districts funding and staffing
– Affordable ambulance costs / Air ambulance for rural areas
– Low or no cost temporary housing / RV hook-ups available at or near hospital for rural families of ill patients receiving medical care (like Ronald McDonald Houses)
– New houses being built – need to be ADA accessible (doorways to bathrooms, etc) – ramp accessible – main floor full bath and bedroom without any stairs.
– Maintaining 911 emergency phone access in all areas
– Affordable access to basic medical care (without going to the ER in place of a family Dr) The truly ill or injured are unable to receive care in a timely fashion, unless they arrive by ambulance.
– Not for profit health care.
– Mentally ill,concerning both access to care, medication, and privacy issues. The mentally ill person is often unable to recognize their illness, but currently family members are unable to “force care” to even have the person seen, OR to even DISCUSS with mental health HOW to OBTAIN CARE AND MEDICATION for their relative living in their own home. The only advice is to EVICT the mentally ill from the home out onto the street, even though they are unable to care for themselves!!
– Lack of housing for the mentally ill
– Lack of constraining half-way houses for mentally ill to train them to work and live independently.
– Lack of supervised housing for Developmentally Disabled adults, or those with brain injury. [ In my large city a woman i know has been on the “list” for housing for the past 6 years, and the list has not moved any closer to her needed placement in a carehome. The mother is mentally ill and incapable of supporting or caring for the adult daughter and there is no place for the daughter to go]
– Sex outside of marriage
– Abortion – the killing of a child –> has brought a mindset that it’s OK to euthanize sick and elderly.
– Abortion has dropped birth rate –> lowering population of workers –> Social Security, lacking these workers is going broke to support the generation who aborted. –> this generation will struggle to have money to pay for their own health care & healthy nutrition
– Excessive court awards for malpractice have lead to unreasonable malpractice insurance rates
– Medical malpractice rates cause Drs to raise rates for basic healthcare, making it unaffordable for the average person,
-Medical malpractice rates have caused Drs even to leave OB care off their services, causing the run-around to separate Drs for care ( the pregnant mother gets bronchitis, an neither OB, nor GP Dr will treat her out of fear of liability litigation) + the expectant mother has to pay for 2 Dr visits instead of one (had the GP continued his OB care to all patients)
– Prisons and healthcare. + Mentally ill in prison rather than being treated for their disorder in a positive environment –> making prisons a breeding ground for furthered crime
– Illegal drug use through our communities, rather than people dealing with their issues in constructive or medically positive way
– The cost of gold and other precious metals – makes dental work unaffordable
– Living longer as a population, desiring to continue in a youthful state, we seek treatments for vision, cosmetic surgeries, joint replacements, etc. That are clogging our operating rooms and rising the cost of healthcare – there are those who would feel that previous generations “didn’t live that long”, or that they previously “grew old gracefully”
– Drunk or drugged driving – maims or kills, rising healthcare need and longterm care need.
– Nursing home care and assisted living facilities costs are rising faster than we can pay for. Average assisted living in the person’s apartment is $3-4000 a month per person. This far outstrips the resources of our elderly, leaving them penniless and unable to pay. Fewer Medicaid beds exist than the number of needy patients awaiting care. Nursing Home costs are considerably higher
– Government REQUIREMENT for the person to carry a healthcare policy – when the poor already cannot meet their own basic needs is a mistake.
– Medicare part B and D supplemental insurances costs are rising, while services are being cut, and Drs are being

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