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Maternity Insurance Question & Answers

2014 January 24
by Sarah Fields

Betty asks…

How do I get maternity insurance?

I have been looking for a couple of hours and found nothing. I want to get pregnant at the end of this year to have my baby next year but I am not having any lucky finding any quotes for maternity insurance. I have Golden Rule health insurance now and I don’t think they provide maternity. When I try to find quotes online the people call me but they have such horrible accents that I can’t understand them!

Sarah Fields answers:

Most states, you can’t buy it any more, thanks to Obamacare. In Texas, for example, there’s ONE company that sells it, it’s about $300 a month, you have to buy it three months BEFORE conceiving, and it has a $5,000 deductible. It’s even more typical to have to wait a full year before conceiving.

Maternity coverage is basically a prempayment plan, because only the people who want to use it, ever buy it.

You can always contact a local agent, local to you, to ask about what’s available in your state. However. It’s not going to be cheap, and there are going to be “catches”.

Lizzie asks…

What are some maternity insurance options?

All the plans I have found so far require you to be covered 11-12 months before getting pregnant. Is there any option that allows a shorter wait time? I’d really hate to be 10 months into paying for maternity insurance, get pregnant unexpectedly and discover all the money we’ve put into it is a waste.

Sarah Fields answers:

Well there are so many insurance outhere, you should be carefull to pick one.

Source : www.apply-insurance.co.cc

Mark asks…

Is it worth it to get Maternity Insurance or should I just depend on Medicaid?

I’ve heard that Medicaid will cover the same things as Maternity Insurance, without having to pay huge premiums for a least 12 months before having a child, but I wanted to see if anyone had any experience.

Sarah Fields answers:

Medicaid allows you to go to just about any doctor you want to without the stress of having to deal with any bills related to the prenatal care and birth of the baby. When I first reviewed my options I honestly didn’t like the idea but after getting on the program I have learned it is the one of the best decisions I have made.

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