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.
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.
