If you want to be covered by health insurance when you are pregnant, then you will have to plan ahead. Taking care of yourself during pregnancy itself is going to cost you a considerable amount of money leave alone the cost of delivering a baby. So, if you are covered by health insurance you can be taken care of without any compromises.
Here are some insurance tips for the mothers to be
- If you do not have health insurance, try and get one before you get pregnant. Get covered through a group plan if you have never had insurance. This new plan may not cover you immediately for pregnancy but you may have to wait for a few months to receive coverage.
- When you are looking around for coverage, carefully read about what kind of coverage your prospective health plan offers for pregnancy, birth and adoption. If you have health insurance then check your existing policy for what it offers during conditions like pregnancy, adoption and birth.
- If you are employed ask your employer if the health plan they offer covers maternity. If you are out looking for a job then you may ask the potential employers if they offer health insurance and also if it covers maternity.
- If you switch jobs during pregnancy, it might be that you may have to wait for a couple of months more to be able to get the coverage. So, it is advisable that you don’t switch jobs when you are pregnant.
- You may also apply for Medicaid if you do not have a health plan in place. You can simply meet the plan’s low-income needs.
- You may seek help from your state insurance department to give you more information on how to get coverage for your pregnancy. They can provide you information on the different types of plans that they may offer.
- If you are switching health plans, you may want to have COBRA benefits.
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