Applying for Health Insurance while Pregnant

by Charles David Rogers

Finding maternity and health insurance through a private insurance carrier while you are already pregnant is difficult, if not impossible. Health insurance carriers will usually consider an existing pregnancy a reason to deny coverage. They will consider the pregnancy to be a pre-existing health condition.

It is also important to keep any existing health care insurance contract you might have until you are approved for a new one. Even if your existing insurance contract does not cover maternity expenses, you should think seriously before dropping it.

There are three main reasons that you should do this. The first is that you might have an otherwise covered illness or injury not associated with your pregnancy that triggers a large medical expense. The second is that you might have or develop a preexisting condition that will keep you from getting coverage in the future. The third reason is that even though the health care expenses of a normal pregnancy might be excluded from your contract, your policy may include coverage for the complications of pregnancy.

A group or employer-sponsored insurance may give you a chance to be covered with your pregnancy. There are regulations that govern these types of policies. For a group health insurance policy, the medical history will less likely be a factor.

Pre-existing conditions are usually covered by employer-sponsored medical insurance policies. In the event that you are covered by a group contract before giving birth, there is chance that you can get the health insurance to pay for your medical bills.

If your employer offers a group health insurance with an open enrollment period before your due date, there is chance that you can get coverage for the bills you pay for in a maternity ward. This can definitely reduce your expenses.

If your spouse or domestic partner has group medical insurance coverage available via his or her job, you might be able to take advantage of his or her next open enrollment period. This may also be a viable option for you.

Another way for you to get insured is by marrying someone who is covered by group health insurance. During a special enrollment period, you may be able to get insured by your spouse's contract. If you get married, this will allow you to be insured right away even without waiting for the next open enrollment period.

To For advice about the opportunities you qualify for through other strategies and via government-based programs, contact the hospital where you intend to give birth to your baby. They might be able to give you suggestions based on the options available in your town.

About the Author:

Charles David Rogers is a skilled professional writer who writes articles for Health Insurance Oklahoma. He has been producing contents for internet sites such as this to share his expertise in health insurance with others.

Thing to Do When Looking for a Family Health Insurance Quote

by Charles David Rogers

Your number one priority in life could be protecting your family's health, just like any other people. If you a want a comprehensive kind of health insurance policy to your family, the first thing to do is to look for it. But what should be used to get to that kind of quote?

First off, you have to make a comparison to the different insurance providers. They may have some similarities but they also have major differences that set them apart from each other. Health Maintenance Organizations, Preferred Provider Organizations and Point of Service providers are the three kinds of providers. With an insurance agent, you can choose something that fits your needs including your family's needs.

You are required to choose one of the HMO's primary care physicians if you select this kind of policy. Specialist referrals are also required. Only emergency situations handled by outside providers will be handled by this provider. However, the deductibles and co-pays are much lower than other types of family health insurance policies. The kind of policy that you have should give you a summary of the price differences and the increased rates should you decide to go outside of the HMO.

The best deals in family health insurance are also offered by PPOs. However, they have higher co-pays and deductible than HMOs. If you are scheduled to have regular visits to the doctor, this can become quite a concern.

A family medical insurance plan should take into account your family as it is now, as well as what you hope it will grow into. A reputable insurance broker like R. Curtis Insurance can help you develop an accurate family health insurance quote that takes all of these factors into account.

The final choice you have is the Point of Service Provider for your family health care insurance providers. The wider freedom that they offer is enjoyed much by many families. You are required to have your doctor in their primary care physicians and have to request for referrals but one good thing about this is that they cover the services by doctor outside the network.

Deductibles and co-pays can be very complex if misunderstood. To make things clear, the amount that you have to pay directly to the company, typically on an annual basis before that company picks you up is the deductible. The percentage that you have to pay in any given amount in medical services is called the co-pay. Together, they can add up to the bill.

Talking to an insurance provider with a good record is the first step in looking out for the family health insurance just so you know the price and the scope of the policy. To help you with finding that family health insurance stress-free, R. Curtis Insurance is just a call away.

About the Author:

Charles David Rogers is a professional writer who creates contents for Health Insurance Oklahoma. He has been writing for internet sites such as this to share his expertise in health insurance with others.

Oklahoma City Thunder Depend on Durant

By Kyle Martinez

The Oklahoma City Thunder had a terrible record at 23-59 in 08'-09' - that didn't stop the fans from attending the games because the team finished 11th in attendance.

The novelty might start to wear off if the team isn't going to perform better this season. A team in a new town always had success typically so the Thunder might get a pass on the bad play.

The Thunder are coming from the great basketball town of Seattle. The Seattle fan base wasn't thrilled with the move to Oklahoma City and hope one day Seattle can receive a team again - with many teams struggling it might be a long wait in Seattle. Fans may cheer for the Thunder until they receive their own team again.

The Thunder has one of the most exciting players in the league in Kevin Durant, Durant has scoring champ written all over him and perhaps one day MVP.

The Thunder won't likely finish with a winning record in 09-10, but they'll definitely rely on Kevin Durant as a source of winning games. He'll be the team's leading scorer, and might even be the top scorer in all of basketball.

Kevin Durant will lead the charge in Oklahoma City and should lead the team in multiple categories. Don't be surprised to see some 50+ point games out of him too. Additionally, much of the offense should run through him.

However, he's not the only source of talent in Oklahoma City. Jeff Green and Russell Westbrook are two fine players and could easily contribute to a young core full of talented players.

Thunder fans should enjoy Kevin Durant and his scoring ability. Even if the team has another bad season record wise - Durant should give ESPN many top ten plays. - 30416

About the Author:

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