Are you a mommy who needs insurance? Maternity coverage is a really good idea if you are pregnant. Check your existing insurance policies. You will probably discover that you are not covered if you check the fine print.
It's great to be expecting but many people are not expecting the huge expenses that come with having a child. Many people who are pregnant have not even thought of getting such a thing as maternity coverage. It is just an extra cost! They face the risk of getting lousy prenatal care by not addressing this matter! You could also be in big trouble if there is a medical emergency that they cannot afford to address.
You also have to be careful because some types of coverage cover you and not your baby. Make sure there is nothing on your coverage that says that you are covered and that foetuses in the womb are excluded. When getting maternity coverage or extra maternity coverage it is a good idea to cover you bases as much as possible because so much can actually go wrong during a pregnancy.
This type of coverage can be dicey because many providers of insurance don't offer it at all. This is because pregnancy is actually defined by many of them as a preexisting medical conditions. Even though it is illegal to define pregnancy as illness insurance companies seem to get away with it all of the time.
There are many group insurance plans that do have maternity coverage for their members but there is always hitches. You need to check to see if you are actually covered as many forms of these plans have these lengthy waiting periods. For instance some maternity coverage clauses will state that you must wait two years after you have enrolled in the plan before your coverage kicks in. Of course Murphy's Law states that you will get pregnant one year after enrolling in that plan.
Sometimes you can be carrying extended coverage from a previous employer which can be of great help to you if your current employer does not have the maternity coverage in place. If you are really stuck there are also low income programs like Medicaid but the problems with that health service are well known to most Americans. They are just not as good as those natal care services provided by the more expensive private doctors who much prefer to be paid via your maternity coverage premiums through the insurance company.
If maternity coverage is prohibitively expensive than you can get maternity cards that help you ceil with your the costs of some of your pre-natal examinations and other needs. It is less costly than regular insurance.
Almost every maternity package that you can apply for will have that thirty day waiting period before it kicks and you are reimbursed for your expenses. Always study the package that is offered before accepting it to make sure that it fits in time-wise with the term of your pregnancy.
