Health Insurance for Pregnant Women

Prenatal care is expensive. It is important for the mother to visit her doctor many times throughout her pregnancy. Health insurance is vital to affording these visits. However, many Americans do not have health insurance, and many of those who do have inadequate insurance. Approximately 13% of pregnant women do not have insurance.

Obstacles

When pregnant women seek health insurance, they often encounter obstacles, as many plans consider pregnancy a preexisting condition. Medicaid will accept women who are already pregnant. However, many people do not qualify for Medicaid and will have trouble affording the doctor’s appointments and the hospital bills from delivery. Delivery costs run between $6,000 and $8,000 for a normal pregnancy. For a high risk pregnancy or delivery with complications, the costs run much higher.

Discounts

There are discounts for pregnant women available that are not full insurance. Some health care providers will give a reduction if the amount is paid in cash. While not full health insurance, there are some maternity discount programs that can save patients a significant amount on pregnancy-related fees. However, it is important that you fully research these plans and understand the restrictions and limitations of each.

Delivery Options

If you choose to deliver at a hospital, call ahead to see if a payment plan is possible. If your pregnancy is uncomplicated, you can save costs by delivering at a birthing center as opposed to a hospital. Birthing centers are often half the cost of a hospital.

Contact Us

If you are pregnant or planning on becoming pregnant and in need of Texas health insurance, Option 1 can assist you in finding a plan. Take your mind off of financial worries and focus on your little bundle of joy arriving. Contact Option 1 today.