Maternity and Pregnancy - How Federal and State Laws Will Help You

The Government Is There For You

Federal, state and local government programs are designed to insure that the pregnant woman has medical care during the pregnancy. The eligibility requirements are based on family income. Those with average income, depending on the local, can get governmental help for the pregnancy.

A boyfriend is not counted towards family income in many locals. Check your jurisdiction's eligibility requirements before you go to the court house to register as married. If there is a desire to be married, go to the church, pay the minister and register at the court house after the baby is born. Please consult with your local hospital or health department.

Massachusetts and Vermont are the two most generous states in the union for pregnancies. These states are paying for pregnancies for those with no health insurance even for those with above-average incomes.

Discount programs are available to help pay for the pregnancy. Discount health cards which are not specifically designed for maternity generally will give the pregnant woman a thirty percent savings.

60% average savings are available via a discount program that is specifically designed for maternity and pregnant woman. Doctors, hospitals, etc. that are interested in serving pregnant women are in this network.

Maternity discount program will help those who are already pregnant. This is available through these maternity specialists. We also offer a discount card through our insurer but for the sake of the future mothers it is better to go with the maternity specialists. Please click here to get 60% savings on pregnancy expenses.

Real Health Insurance. We have two insurers that will provide the PPO network benefits as well as being HIPAA certification. HIPAA certification is huge and you should know your options.

One policy would be as little as $103 per month. Please speak to our licensed health insurance agents to you know why HIPAA certification is so important.

Insurance companies will not willingly insure those who have pre-existing conditions such as pregnancy who are going to run up large medical expenses. There are certain instances that the insurer must accept the applicant and pay for the pregnancy.

A pregnant woman who is currently insured by a HIPAA creditable coverage can switch to another creditable health insurer and enjoy the full benefits of the new policy. Examples of this is a woman who has health insurance through the employer and then switches jobs will have the pregnancy covered by the new health insurance company.

If the woman quits or gets fired from her job she should continue with COBRA for the duration of the pregnancy. Cobra health insurance is expensive and recent federal legislation enables those insured through COBRA to continue being insured indefinitely.

Important Point:

Medicaid is considered "creditable coverage" according to HIPAA guidelines. Be sure to purchase traditional health insurance within 63 days after your Medicaid ends. This will insure that you will not have a pre-existing waiting period for your next policy. The waiting period is generally for one year.

Health insurance that comes with an employee benefit package generally will not cover pre-existing conditions unless the employee has proof of a creditable health insurance from the previous twelve months. Health insurers will verify whether the credible coverage certificate is legitimate.

Individual health insurance policies require underwriting. Just like the employer policies, individual health policies will not pay for pre-existing conditions for 12 months unless the insured provides proof of insurance from the previous 12 months. For individual policies, pre-ex is usually not an issue because the applicant is in good health.

The guaranteed health policy will accept the applicant, yet won't cover pre-existing conditions (unless has HIPAA creditable coverage). It is important to have continuous health insurance so that pre-existing health conditions never becomes a worrisome issue.