Maternity Health Insurance

By: EconomyWatch Content   Date: 17 February 2010

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Although most people buy health insurance covers, very few focus on the maternity cover in these policies. This leaves women and their families vulnerable to the high cost of maternity services, which more often than not run into 6 figure sums and shatters the joy that surrounds the entire nine months of pregnancy. This makes maternity health insurance imperative.

 

According to the statistics, almost 16% of American women are without any maternity health insurance and thus face adverse financial challenges. Maternity services, such as parental care, doctor check ups, delivery and ultrasounds, which otherwise would have been covered, are left uncovered and the out-of-pocket cost rises steeply, draining your savings. Therefore, for women planning to get pregnant, the wisest thing to consider is maternity health insurance, which can assure cover and let the process remain one that is full of joy and celebrations.

Maternity Health Insurance: Areas Covered

Although finding maternity health insurance after pregnancy can be a herculean task, the smartest people buy such cover as soon as they plan to start a family. Once bought, the typical factors that maternity health insurance covers are:

·        Doctor’s visits

·        Sonograms and ultrasound exams

·        Hospital stay

·        Tests, lab work and other procedures

·        Prenatal care, including medicines such as vitamins

·        Delivery, which can cost up from 4 digits to 5 digits

·        Expenses incurred during complications, such as Cesarean deliveries which can increase the cost of pregnancy to increase rapidly

·        Anesthesia

·        Newborn check-ups

 

However, there may be times when you have just changed your job and have no coverage at all. In this case, a few state sponsored maternity covers, such as ColoHealth in Colorado, may come to your rescue. Being state sponsored, the cost is not too high for such policies.

Other options, such as Affordable HealthCare options (AHCO), offer discounted plans for people without maternity health insurance or those who are under insured. Maternity Cards through AHCO boast a wide network of doctors. The same plan offers ‘Maternity Advantage’ in states that do not offer the advantage of Medical Cards.

Therefore, if you are not able to get a maternity health insurance for any reason, AHCO sponsored medical cards can help families save up to 50% of their maternity related expenses.


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