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Affordable Health Insurance For Pregnant Women Question & Answers

2015 August 21
by Sarah Fields

Paul asks…

Where can I buy affordable hcg?

I am wanting to start the hcg diet. But I’m having trouble finding an affordable injection. I have already bought the injection kit with needles, mixing bottles and everything. But I need to find the actual hcg to Mix and inject. Preferably I would not like to spend over 40 total.

Sarah Fields answers:

A 500 calorie per day diet is considered anorexic. Mix it with a hormone from pregnant women’s urine and you get a miracle diet!
All over the counter hcg products were announced as illegal and fraudulent by the FDA on January 24, 2011. Testing concluded that all over the counter oral and injection products on the market have little to no real hcg in them but most a similar synthetic hormone. I was in GNC several weeks ago. They carry three brands of hcg drops and not one of them has any hcg in them. The well trained salesman even admitted it when I mentioned it. They contained “similar hormones” or amino acids.
Sort of like I’m going to sell you this Toyota Prius but it is really a Ford Focus but we’re going to put a price tag on it that says it is a Toyota Prius. Excuse me?
Anyone that lost weight especially with the drops did it because they ate fewer calories than they burned. The hcg acted as the placebo to help them lose the weight.
The only approved use for hcg is to increase fertility in both men and women.
Next year will mark 60 years since this fraudulent science was started.
The doctors exploiting this benign hormone with the ability to prescribe injections can’t even agree on how it works. Some say it releases stored fat calories into the system. Others say it acts as an appetite suppressant.
Neither explanation justifies the weight loss in the individuals taking the oral drops with NO hcg in them that still lost weight. I am confident the hcg diet has a 95% failure rate just like every other controversial diet plan out there.
By the way, the expensive “clinical injections” are not covered by insurance since it is not FDA approved. What doctor wouldn’t want to get an “all cash” practice going?
Check out these clips before going further. Just aired a few weeks ago.

Http://www.doctoroz.com/videos/weight-loss-controversy-hcg-diet-pt-1

So the question is are you willing to risk your health based on testimonials, not research, and the statements from doctors in this all cash business?

Jenny asks…

Affordable health insurance?

I am a married woman and am looking for health insurance just for myself. My husband does not want to get it for both of us just yet. I get birth control every month and I have contacts, so I would like affordable health insurance that would include vision and lower my yearly visit to the gynecologist. It should also be good for the possibility of my birth control failing and I get pregnant.

I live in Alabama. Do you have any ideas? I’d like it to be under $100 a month.

Sarah Fields answers:

First off, you didn’t give enough information so I’m going to show the premium range for a 27 year old female non-smoker, within the height and weight guidelines, no pre-existing conditions, and living in Mobile. There are dozens of plans ranging from $50.13 to $256.44.

Vision is a separate policy with an addition premium and can be added to some of the health plans.

As a direct result of “0bamacare” you cannot get any individual health insurance policy that has maternity coverage. However, all of the plans will cover complications of pregnancy, such as a C-section.

William asks…

Can you get maternity insurance only? Without regular health insurance included?

I am not pregnant yet.

Sarah Fields answers:

Maternity coverage is part of a larger insurance policy, and it makes sense. If you bought maternity insurance, the insurance company would know that you were planning to get pregnant and so would raise the prices to help offset their costs. The easiest way to get coverage for pregnancy quickly is through a group health plan, such as one provided through work. 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. However, I would recommend finding out what you want out of health care (the place you want to deliver, the doctor and nursing staff you like, etc.) and work from there. In the short term, go to a free clinic and see what they can do for you. Prenatal care is important!

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

Congratulations on your pregnancy!
Barnes@MostChoice

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