Displaying items by tag: medical insurance
So, you are an expecting mother. Congratulations! You are about to embark on one of life’s biggest adventures: the birthing of another human being. Right now, you probably are very excited and busy converting that spare room into a nursery and shopping for baby clothes. A thick baby names book must be sitting at your bedside. You must be in such a blissful state right now. No? Why? Worried about the labor pains? Can’t decide on a name? It’s all those doctor visits and birthing classes, isn’t it? And the sonograms and the required lab work. These things are burning a hole in your wallet. Not only that but it suddenly dawned on you how much all this is going to cost. According to your research, a normal hospital delivery would cost around $3,000-$10,000.
What if your doctor tells you that you are having a pregnancy that would require a C-section? You researched and found out that this procedure would cost you up to $20,000. Where are you supposed to get that kind of money? Holding off on shopping will not cut it. Not going to the doctor all together might just be the worst thing that you can do to your baby. It needs constant supervision to make sure it is developing normally and healthily. Depriving it of such care could result to later complications that would make a $20,000 bill look like change. Luckily, you are a very responsible woman. You have purchased a maternity medical insurance before getting pregnant.
This will help you out so much in the coming months. However, it still needs a little more scrutiny, just to make sure that it also covers other costly maternity-related things besides the ones to be incurred in the hospital. If it does not, then it is time for you to take out a supplementary pregnancy insurance or talk with your insurance provider about adding a rider to cover other maternity expenses. Once all this is settled, you can relax and enjoy the happiness. Suddenly, you remember a friend who is also expecting but does not have insurance. What can you do to help her? Together, you and your friend researched all about getting a maternity medical insurance while already pregnant.
You searched long and hard but did not find anything helpful. All of the insurance companies would only approve of the application once the pregnancy is over. Those who approved are only willing to cover future pregnancies, not the current one. What is your friend going to do? She is nearing her maternity leave and would have no income for that duration. If only you could split your insurance benefits between you two. Then, with another stroke of luck, you stumbled upon a website that discussed maternity discount programs. They are not insurance, but they offer hefty discounts on the common pregnancy needs like regular check-ups and medication, among other things. It is not expensive either. For less than $100 a month, your friend can get a huge chunk of her future hospital bill slashed off. She signs up and now you two can enjoy being pregnant together.
What if your doctor tells you that you are having a pregnancy that would require a C-section? You researched and found out that this procedure would cost you up to $20,000. Where are you supposed to get that kind of money? Holding off on shopping will not cut it. Not going to the doctor all together might just be the worst thing that you can do to your baby. It needs constant supervision to make sure it is developing normally and healthily. Depriving it of such care could result to later complications that would make a $20,000 bill look like change. Luckily, you are a very responsible woman. You have purchased a maternity medical insurance before getting pregnant.
This will help you out so much in the coming months. However, it still needs a little more scrutiny, just to make sure that it also covers other costly maternity-related things besides the ones to be incurred in the hospital. If it does not, then it is time for you to take out a supplementary pregnancy insurance or talk with your insurance provider about adding a rider to cover other maternity expenses. Once all this is settled, you can relax and enjoy the happiness. Suddenly, you remember a friend who is also expecting but does not have insurance. What can you do to help her? Together, you and your friend researched all about getting a maternity medical insurance while already pregnant.
You searched long and hard but did not find anything helpful. All of the insurance companies would only approve of the application once the pregnancy is over. Those who approved are only willing to cover future pregnancies, not the current one. What is your friend going to do? She is nearing her maternity leave and would have no income for that duration. If only you could split your insurance benefits between you two. Then, with another stroke of luck, you stumbled upon a website that discussed maternity discount programs. They are not insurance, but they offer hefty discounts on the common pregnancy needs like regular check-ups and medication, among other things. It is not expensive either. For less than $100 a month, your friend can get a huge chunk of her future hospital bill slashed off. She signs up and now you two can enjoy being pregnant together.
Published in
Pregnancy
