Maternity Health Insurance

In general, all of insurance plans include the maternity health insurance scheme. Almost all women enjoys a insurance irrespective of their carrier. These health insurance obviously covers prenatal diagnosis, pregnancy labour and process of childbirth.

The amount and issues covered by a maternity health insurance may vary. Calling your insurance agent and asking about all the maternity insurance benefits you may achieve can be a good choice for you when you get pregnant. By doing so, you will be able to draw a rough estimate of how much money would be needed to have successful maternity period and what part of expenses would be returned back by the insurance company.

Proper assessment of maternity health insurance before the doctor and hospital bills may create problems for you is a better choice because it negates or avoids any mistaken calculation. Some of the benefits you must check if they are provided by your maternity health insurance are as follows-

• For the prenatal doctor’s visits, you will get Co-pay.
• Prescription coverage
• You will attain Dedcutible
• Baby deductible and family deductible should be there
• Labour work and maternity testing would be covered.
• Genetic testing and other non-routine specific tests should be covered.
• Ultrasound tests and sonography should be covered.
• Full length of your hospital stay should be covered.
• The issue of caesarean section along with vaginal birth should be covered.
• A fair percentage of the total cost you will have to pay

Since the fees of different doctors and hospitals may vary, calling an inquiring about the actual fees you would have to pay would be a better choice to make an appropriate estimate.

Available help for pregnant women without an Insurance

There may be some women who never got a chance to have a health insurance. In case you are single and are going to be a mother, you may ask the father of the child about his insurance policy. In most of the cases, insurance policies cover the child of unmarried parents. In case of teen pregnant women, the insurance policy of the parents of the teen pregnant may cover the expenses.

Pregnant women without option of health insurance may also attain benefits from the help of government. Such women should check whether they will be able to gain the benefits of Medicaid. Medicaid directly pays to the health providers. There are many state-based medical health programs run by state government. One of such is TAFDC that is available in Massachusetts.

How to Pay Medical Bills

The women with proper medical health insurance policies will also have to pay a certain portion of the doctors and hospital bills for the cost of pregnancy care and childbirth. One may pay direct cash, or they may use credit cards, debit cards, money orders or check, you may also pay through online payments.

In case you want an easy monthly based payment program, you may discuss with the medical hospital management and set a payment program on monthly basis.