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.