Comments for PREGNANCY INSURANCE BLOG

Comment on Pregnant, no insurance and make too much money for medicaid. Advice? by Al

Al — Sun, 11 Apr 2010 04:55:55 +0000

What Id recommend is for you to go to a Gover. office (Medicaid Office) and see what they tell you tell them your situation. And see how they can help after all it will not hurt to try it. Plus some hospital have payment plans but just imagine how much can a Bill be for. Plus those doctor visits will beggin to add up after starting to go to the doctor every week. The last thing that you want right now is stress. So just tell the medicaid office what happens I’m sure they can help some way. Good luck to you.

Comment on Pregnant, no insurance and make too much money for medicaid. Advice? by DCSports

DCSports — Wed, 07 Apr 2010 17:25:07 +0000

Talk to your physician (you may want to shop around). Physicians and hospitals have a very steep cut from insurance providers on pregnancy, and make very little on Medicaid. You should be able to find one that will give you a discount — especially if you are able to offer cash at time of service. 30%-40% is not uncommon.

Also, many hospitals offer package discounts for maternity patients — an all-inclusive price for self pay patients. In my state (Texas), $2750-$3000 is common. Again, they’d like to bring in cash business that will help cover their costs without dealing with collection hassles. The hospital may even be able to direct you to a physician willing to work with you.

I’m not familiar with the specifics of Medicaid coverage, but if you don’t have too many assets, this may be an option if you have any complications. Being a private contractor, you will likely be out of work for six weeks, longer with problems. This change in status may allow you to temporarily qualify for medicaid.

If not, I would deffinitely look into a CHIP (Children’s Health Insurance Program) for your baby. These are state sponsored programs to provide coverage for children at a low cost. Baby may be eligible under the father’s policy as well — set this up before the birth, if possible.

I also wouldn’t be too quick to dismiss insurance options. If there is a problem, even a minor one, costs could escalate quickly. Plus, babies go to the doctor a lot. If the cost is less than the hospital stay above, it’s worth considering.

I would definitely look into catistrophic coverage — high deductable coverage ($5K+). These policies have a much lower premium. This has a couple of advantages — 1) no uninsured hassles by the health care providers, 2) you get to take advantage of the insurance discount — you only pay what the insurance company would have with a normal policy. A major carrier (BCBS, UHC, Aetna, etc) will likely have huge discounts. 3) It will give you a saftey net if there is a problem.

Stay away from ” medical discount cards”. Health care providers have no obligation to accept them, and most good ones won’t.

Good luck!

Comment on Pregnant, no insurance and make too much money for medicaid. Advice? by mbrcatz17

mbrcatz17 — Wed, 07 Apr 2010 07:18:28 +0000

Check with your state Children’s Heath Insurance Plan – they have MUCH more lenient guidelines than medicaid. They ACTUALLY cover your prenatal and birth costs, for the interest of the child. All coverage for you would cease when the baby is born, but the prenatal and birth would be covered.

Be sure to tell them you’re pregnant when you apply.

Comment on Pregnant, no insurance and make too much money for medicaid. Advice? by cgarcia

cgarcia — Mon, 05 Apr 2010 03:55:02 +0000

Check this out. Ameriplan Health is a discount program and you can save up to 50%. And they will cover you even now that you are already pregnant. You get discount on everything. Sonogram, Lab tests, etc. Plus you get Dental, Vision, Chiropractic & Prescription all for less than $50 a month for individual.

This will really save you tons of cash. It’s better than no insurance.

Comment on Pregnant, no insurance and make too much money for medicaid. Advice? by thirsty mind

thirsty mind — Sun, 04 Apr 2010 04:53:46 +0000

Attach the DAD !!!!

Comment on can you gat pet insurance that covers female dog in pregnancy and birth? by Kris s

Kris s — Sat, 03 Apr 2010 04:59:09 +0000

I agree with the savings account idea I have a couple of friends who do that, equally a good insurance policy can prove to be invaluable Sounds like you need to have a nose at a few policies and see what you get for your money have a nose at somewhere like moneysupermarket they have a list of pet insurance companies

Comment on can you gat pet insurance that covers female dog in pregnancy and birth? by blessed1

blessed1 — Fri, 02 Apr 2010 18:08:23 +0000

The best thing to do is start a separate savings acct. for your pets. Put what you can afford in it weekly/monthly. That way the money will be there when you need it. Insurance companies are worthless.

Comment on Cheap insurance for that covers pregnancy? by CAROL R

CAROL R — Thu, 01 Apr 2010 10:05:31 +0000

make use of the SE like google or yahoo to get some ideas first if you want to get the massive information,however if you do not want to spend so much time,here is a direct and good resource for your questions.

Comment on Pregnant, no insurance and make too much money for medicaid. Advice? by Jose & Cam

Jose & Cam — Thu, 01 Apr 2010 08:25:53 +0000

Taking care of the prenatal care is most important. When it is time to have the baby, the hospital certainly will not turn you away. Afterward, you can make arrangements to pay the bills for the actual birth.

As it relates to your prenatal care, try one of the following:

* If you have good credit, apply for personal loan to cover the costs;

* Find a community based clinic that has sliding scale fees; or

* Find an OB/GYN and ask if the office can work with you in paying for your prenatal care by allowing you to pay in installments. Ask to speak with the Office Manager. Pay at least 20% at each visit and assure him or her that you will never owe more than 3 visits worth of payments.

I just found this online at:

* MaternityCard™ is a discount health program that can save you up to 60% on doctor’s visits, lab work, sonograms, your hospital stay and much more. MaternityCard is not insurance but it works with a National Preferred Provider Maternity Network. For a low monthly fee, MaternityCard can provide you with a comprehensive maternity plan. You can receive these benefits even after you have found out that you are pregnant. You can request FREE information by filling out this form: Request Free Information. Or you can call them toll-free at (800) 450-0183.

Check out this website. It has a lot of great ideas.

God bless you and your baby! Be healthy!

Comment on can you gat pet insurance that covers female dog in pregnancy and birth? by Shadow's Melon

Shadow's Melon — Thu, 01 Apr 2010 07:41:48 +0000

Pet insurance doesn’t cover a lot of things that could commonly happen. That’s why I see it as a waste of money.