You are pregnant
Many Americans are concerned about the high cost of maternity benefits if they lack medical insurance or if their medical insurance does not cover routine prenatal care. Nearly 50 million people in the United States do not have a health insurance plan. Others are covered, but coverage does not include the normal cost of having a baby. This can be a great burden for many growing families.
Now is not the time to panic. It is time to explore your alternatives. The main thing is to take care of the health of the mother and the baby!
How much does motherhood cost?
You must participate in all doctor visits and exams before the baby is born. Then there will be a hospital bill for the mother and the baby. You can assume that a normal pregnancy will cost at least $ 10,000 in some areas. Any complication can double or triple this figure.
Get help with maternity expenses.
However, there are ways to get help with these costs. Let’s look at some ways you can manage your health care costs.
Low income help
If you have low or moderate incomes, public health programs are the best.
Medicaid is a low-income state and federal health plan. This may also apply to pregnant women, so you can search for Medicaid information and applications for the state in which you live.
Prenatal care for middle- and high-income families.
Even if your family earns too much money to qualify for CHIPS or Medicaid, you can still get help. Even if your family’s income is $ 50,000, bills of $ 10,000 to $ 20,000 can limit your resources. This is especially true for young families who have not had time to save.
Get employment benefits
Even if you or your spouse are already pregnant, it is still possible to get a job with sickness benefits that will cover the costs. This can be complicated, and even if you can get a job immediately, some employers have a waiting period before the health insurance goes into effect. However, group health insurance plans cannot consider pregnancy as a preexisting condition. Please note that this does not apply to individual health insurance and will not be accepted if you are already pregnant.
High health pools
A high-risk state health group may or may not help. In some circumstances, this may cover your pregnancy, but in other circumstances you may consider the pregnancy as a pre-existing condition and provide a long waiting period. You should find information about the high-risk health group in your state. There is also a new federal high-risk healthfund.
Having a baby can be very expensive today. However, you can find local, regional and federal resources to help you with your expenses. Focus on the help you can find to care for the mother and the unborn baby.