Fifteen percent of American women don’t have maternity medical insurance and face overwhelming medical bills, especially if there are medical complications. Here is how to get cheap maternity medical insurance that could save you from financial disaster.
<h3>What is maternity medical insurance ?</h3>
Maternity medical insurance is a medical insurance policy that includes maternity coverage. As of this writing there are no stand-alone maternity medical insurance polcies.
<h3>You are able to obtain one of the following types of plans to get maternity coverage:</h3>
<ul>
<li>• An indemnity plan which lets you choose your own physician and hospital, but is the most costly kind of plan.</li>
<li>• A managed medical policy (Health Maintenance Organization, PPO, POS) that assigns you to a network of medical providers and hospitals that you use for your medical care. These are the cheapest types of plans.</li>
</ul>
<h3>What does maternity medical insurance cover?</h3>
Standard maternity medical insurance polcies cover your medical providers expenses, your hospital fees, and your prescriptions drugs – basically all your maternity medical expenses.
<h3>Can I get maternity medical insurance if I’m already pregnant?</h3>
Private insurance carriers won’t insure you if you are already pregnant, but some states offer Medicaid medical insurance, or plans such as California’s Medi-Cal, to low income families. To see if your your state has a low income maternity medical insurance program, visit your state’s Department of Insurance (DOI) website.
If you are pregnant and don’t qualify for state sponsored maternity medical insurance, the best thing you can do is call the hospitals in your area and see if you can negotiate a cheaper than normal rate. Most hospitals will give you a discount if you pay cash.
<h3>Where can I get cheap maternity medical insurance ?</h3>
The best way to get cheap maternity medical insurance is to go to an insurance comparison website where you can get rate quotes from multiple insurance corporations.