© Copyright 2004-2013 Niche Topics ™ All rights reserved  Terms & Conditions | About us | Sitemap  

 

  SIGN UP for our free newsletter

Share |

  LATEST posts

All things that are written on this website are about our experiences and what have worked for us, or general information only. We are not telling you to do any of those things mentioned and we do not endorse any products found on these pages. We simply want to share with you what has helped us. Hope that you enjoy reading our posts and please come back regularly to read more!

 

   Contact Us         Freebies       Share Ideas & Recipes |

 

  POPULAR articles

 

 

 

                                                                                                                                                                                                             

Home Money & Lifestyle Food & Drinks Health & Fitness Beauty & Wellness Pregnancy & Kids

 

 

Niche Topics (Money and Lifestyle) is about helping you manage your finances so that you live comfortably within your means. We share frugal living ideas such as save money around the house, cheap to make recipes, budget-friendly solutions for everyday living, recycling crafts, helpful hints to buy things without getting burned, and many more!

 

  QUICK links

Insurance tips and tricks

Debt reduction and loans

Green cleaning and household tips

Personal empowerment and self improvement

Relationship building skills

Shopping tips, tricks and tweaks

Home

 

 

4 Easy Ways to Remove Shoe Odor and Sweat Stains

 

10 Unusual Alternative Uses for Baby Oil

 

5 Surefire Ways to Keep Your Grocery Bill Low

 

What Are Soap Nuts?

 

How to Get Rid of Cockroaches Naturally

 

About Niche Topics
The Animal Rescue Site

 

 

How to Get Cheap or Free Health Insurance for Pregnant Women

 

By George G.

 

On top of the frequent doctor visits and the drastic change in lifestyle throughout a span of nine months, pregnant women also need to worry about getting quality health insurance while pregnant.

 

Unfortunately, the current state of the economy has forced health insurance prices to rise, making life even more stressful for expecting mothers. What many are unaware of, however, is that the key to getting cheap health insurance is to buy it before you become pregnant.

 

If you and your significant other are planning on starting a family, start comparing health insurance quotes online today for the most affordable prices.

 

Did you know that about 13 percent of pregnant women each year are not insured? By not being properly covered, expecting mothers are putting themselves and their baby at risk of not receiving the necessary nutrients and vitamins, which could ultimately lead to complications in during the pregnancy.

 

If you are already pregnant and still have not obtained coverage, do not despair – there are other ways to obtain cheap health insurance when pregnant.

 

 

The following are 5 simple ways to get cheap or even free healthcare insurance when pregnant:

 

1. Take advantage of government-funded programs.

For mothers-to-be looking for health insurance while pregnant, the great thing about Medicaid, a government-sponsored program for low-income individuals and families, is that it does not disqualify applicants if they are already pregnant.

 

However if you are not eligible to receive Medicaid, it can still be a challenge to pay for all the prenatal visits and delivery. The estimated cost of delivery alone is $6,000 – $8,000 for a normal pregnancy, and the cost increases if it is a high risk pregnancy.

 

 

2. Inquire about WIC.

WIC is a federal agency that promotes the health of low-income women, infants and children under the age of 5. They can provide nutritious and supplement diets, information on healthy eating, and referrals to healthcare. To get more information, you can go to Women, Infants and Children.

 

 

3. Apply for Healthcare discount programs.

For moms who cannot find health insurance while pregnant, programs like Maternity Advantage and AmeriPlan can be just the thing they need because they help patients save up to 50-60 percent on healthcare services.

Maternity Advantage™ is a discount health program that can save you up to 60 percent on doctor’s visits, lab work, sonograms, your hospital stay, and much more.

 

Maternity Advantage is not insurance but it works with a National Preferred Provider Maternity Network. For a low monthly fee, Maternity Advantage can provide you with a comprehensive maternity plan. You can receive these benefits even after you have found out that you are pregnant.

 

AmeriPlan is a discount plan that is currently available in all states except Alaska. AmeriPlan saves people up to 50 percent and more on their health care services. Benefits include physician, hospital, and ancillary services (i.e., lab work, tests, x-rays).

 

Since AmeriPlan is not insurance, all pre-existing conditions are covered (except orthodontic treatment in progress), there are no deductibles, no waiting periods, no claim forms, and no annual limits.

 

 

 

4. Visit your state's health department.

Every state is different, and yours may offer its own health coverage program. See if your state offers individuals some kind of program or state health insurance when pregnant.

 

 

 

5. Join a group plan.

Typically, the plans with the most coverage and for the lowest rates are employer-sponsored group plan, so contact your employer or potential employers if they offer a group plan that includes maternity coverage.

 

 

 

Do not hesitate to seek professional help when looking for quality health insurance while pregnant. The Internet is a good place to start. It is full of endless possibilities and can make seeking health insurance fast and convenient.

 

Remember, an adequate amount of coverage can ensure your pregnancy goes well, so all expecting mothers should not hesitate to purchase health insurance when pregnant.

 

 

cheap health insurance pregnant

7 Ways to Get Cheap and Affordable Health Insurance

Want to know how and where to get cheap individual or family healthcare insurance plans?

 

What Exactly Is Low Cost Health Insurance

An inexpensive alternative to normal health insurance cover, but may have its drawbacks.

 

Best Money-Saving Tips for First-Time Parents

Learn practical advice and ideas on how to save money on baby stuff.

 

10 Tips to Save Big on Home Insurance

Learn how you can save money on your home insurance payment while getting the best coverage.