There is no insurance for motherhood.
Believe it or not, that's true. The term insurance for a mother is used on various websites, because many of you are searching for it. But there is no such product as the standard insurance plan for motherhood.
How can people have babies?
We ask the same question almost every day. "How can anyone afford a child?" In one way or another, babies are constantly born with or without maternity. But costs can be burdensome.
There are many options available to you, though none of them are perfect.
- Think about paying maternity expenses from your own pocket. If you call your local hospital and pre-negotiate a fixed rate and do the same with your doctor, you can expect to spend between $ 6,000 and $ 8,000 for normal delivery. The C-section could range between $ 10,000 and $ 15,000. Keep in mind, this is just an estimate.
- You can use the representation service. They will negotiate with your hospital and doctor for you. In some cases, they have already established relationships at rates that are lower than you would be able to negotiate. We found them to be very efficient.
- You can buy health insurance with your mother's driver. Keep in mind that this means a new insurance plan. You can not buy insurance for motherhood yourself. Keep in mind that if you previously had a complication of pregnancy, you probably will not be able to buy a pregnant woman's rider.
- If you are employed and there is a plan for group health insurance, it will most likely include maternity insurance.
- If you are self-employed and live in one of the following countries, we may be able to offer you a plan for a small group that will fully cover your maternity costs. Currently we can offer these services in Colorado, Connecticut, Georgia, Illinois, New Jersey, New York, Nevada, West Virginia, and soon in Florida, Nebraska and Texas.
For one option, you can call the hospital yourself. For number two you can call the representation service at number 800-460-9178. For options 3 and 5 you can call me. My information is at the bottom of this article. For number four, you must read the help plan book or talk to a person for human resources.
If you happen to live in southeast Florida, we have pre-agreed rates with many hospitals and doctors. Again, call us for details.
"I'm already pregnant and need insurance."
If you are already pregnant, use the advocacy service we just mentioned. You can call them directly at 800-460-9178.
If you have a health insurance plan for a group, pregnancy can not be considered as an existing condition. When you are on the road, it will cover a reminder of your pregnancy. Otherwise, there is nothing else you can do.
Why is it so difficult to find health insurance with maternity insurance?
First of all, let me assure you that this has nothing to do with the zero movement of population growth. It's just a matter of insurance economics.
If you are willing to pay extra for your mother's driver, then you are planning to become pregnant. The probability of the claim is very high. In many cases, the carrier will pay more than necessary. As a result, many companies that sell health insurance plans that are not group, have abolished maternity insurance options. Those who maintain this option generally limited payment. In the end you pay as much or perhaps more than what you get.
Group health insurance, on the other hand, usually has maternity coverage as a state law. They build premium costs.
In most individual plans, complications for pregnancy are covered, although normal delivery is not.
I invite you to carefully read your policy. In almost all cases, you will notice that the complications of pregnancy are covered the same way as any other illness. This means that, if you have not had complications in the past, all future complications will be covered.
You have to do mathematics.
Since complications for pregnancy are usually covered, it is only necessary to plan normal delivery. If your carrier tells you that a complete maternity rider will add $ 250 a month to the price of your plan, and waiting for you 12 months before you can get pregnant, it's hard to pay off. It would be better for you to use the advocacy service and pay for pregnancy from your pocket.
In addition to the options described in this article, there are local and state agencies in certain parts of the country that can provide prenatal services and reduce delivery charges. Be sure to explore all available resources.
I invite you to call me if you have any questions. My information is at the bottom of this article. Or, if it is missing, we are available from 9 am to 8 pm EST at 800-272-0512.