Insurance For Pregnant Women – A Brand New Option
Between 2007 and 2009 the number of uninsured women increased by 12.8%, and the March of Dimes PeriStats database shows that 22.3% of women in their child bearing years are uninsured. So it's not uncommon to be pregnant without health insurance in the US, and the situation has been getting worse each year. For women who are pregnant, no insurance means they have to bear the full cost of prenatal care and delivery, which can total $12,000 to $20,000 depending upon where you live and the type of delivery you have. These costs make getting health insurance for pregnant women a priority.
No matter what your income level is, there are ways to get insurance for pregnant women. The 2 options to look into are your state Medicaid programs, and then the Pre-Existing Condition Insurance Plan (PCIP).
The PCIP is offered in all 50 states, and this federal program provides affordable health insurance to people that have been unable to get medical insurance. For women that are pregnant without insurance, the PCIP can be a just what you need. Ask an insurance broker for more information about this program in your state.
The PCIP California is priced at affordable prices and offers a rich set of benefits. This pre-existing condition insurance plan California provides a maximum out of pocket cost of $2500, a $1500 deductible, $24 office visit copays, and offers coverage for both generic and brand name prescriptions. The requirements to qualify for the California PCIP are that you have been uninsured for the last 6 months, and you've had an insurance application declined within the last 12 months. Therefore, if you are pregnant with no insurance in California, call a local insurance broker to see what the plan costs, how to enroll, to get a simple 4 page application, and enroll in the PCIP to provide protection for your baby and you.
When I compared the PCIP to other pregnancy health insurance plans, I found that the PCIP is surprisingly the 3rd best California maternity health insurance plan. Kaiser Permanente has the best pregnancy health insurance plan, the 0/1500 HSA plan with a total out of pocket cost (TOOP) of $4854, the 2nd best plan, with a TOOP of $5064 is the Kaiser HMO plan $50 Copay, and the PCIP is just slightly behind with a TOOP of $5068. If you look at the next best plan from the other insurance companies that have maternity insurance plans, you'd get the Anthem Blue Cross Select HMO plan with a TOOP of $7570.
Visit SPF Insurance to learn more about the "California Maternity Health Insurance Plans Analyzed" article mentioned above.
If you are a woman who is pregnant without insurance, don't worry because there are solutions that will provide maternity health insurance for you and the baby. Medicaid and PCIP will provide health insurance for pregnant women in California. Now go ahead and make the first call to determine which program is best for you. Start by calling you state Medicaid office, and then get information about the Pre-Existing Condition Insurance Plan California from an insurance broker near you.
Get the info you need about Insurance for Pregnant Women, and find out how to sign up for the Pre-Existing Condition Insurance Plan California at SPF Insurance.. Unique version for reprint here: Insurance For Pregnant Women - A Brand New Option.
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