Health Insurance help

[Oomer 0]

Does anybody know any good health insurance for pregnant lady?

[athena_ny 1]

It all depends on your employer...? Or if you're not employed, you can pick up individual insurance but it'll cost an arm and a leg. Do some research. Make some phone calls.

Does anybody know any good health insurance for pregnant lady?

[Niels Bohr 72]

Group insurance offered by your employer may be good. It may or may not be cheap, but, at least it'll get you covered.

[Nikita2Charles 32]

are you getting it from your partner's work, if not Kaiser might be one of the options depending on where you live at.It's an HMO but better than nothing at all.

[Oomer 0]

We both are unemplyed and i need insurance as soon as possible.

[Niels Bohr 72]

I see. And, you don't qualify for public health care because of the Law. You can try Walk-In clinics, or local hospitals to see if they have any medical insurance for pregnant lady.

Or, you can try a family planning or planned parenthood organization in your area for help.

Edited March 19, 2007 by consolemaster

[Jackson1975 0]

You could try Maternity Card

It provides discounted medical care

I was going to use it - then I became covered on the military insurance

www.maternitycard.com

Good Luck

[GabachaYucateca 0]

Each state should have a Rite Care plans, Medicaid or Medicare (sorry I can never remember which is for the elderly and which for low income). Ostensibly, a permanent resident should not be eligible for Rite Care, but I know plenty of PRs who are covered under this plan.

I really can't figure it out, because everything I know about PRs is that they must have a financial sponsor, but what I see in reality is much different.

[Nancy2015 2]

are you getting it from your partner's work, if not Kaiser might be one of the options depending on where you live at.It's an HMO but better than nothing at all.

She seems to be from Chicago, there's no Kaiser there. Kaiser is only offered on the West Coast and on the East Coast in some states and DC. Which is unfortunate, cause Kaiser is really good.

Ans, Planned Parenthood would be your best choice. Since you are both unemployed, they probaly won't charge you anything at all.

[Nanusia & Lukaszek 0]

Not sure even if you do get health insurance if they are going to cover any pregnancy medical costs, because it can be classified as a "pre-existing condition", therefore deemed not coverable. Double check on that before you sign up.

If you are in the Chgo area, Blue Cross Blue Sheild HMO is I think one of the cheapest alternatives around here.

Also, the previous poster mentioned Planned Parenthood... but I think they only give care for pre-pregnancy testing/abortion advise... not sure how helpful with medical care/delivery if you are already pregnant.

[Niels Bohr 72]

Not sure even if you do get health insurance if they are going to cover any pregnancy medical costs, because it can be classified as a "pre-existing condition", therefore deemed not coverable. Double check on that before you sign up.

If you are in the Chgo area, Blue Cross Blue Sheild HMO is I think one of the cheapest alternatives around here.

Also, the previous poster mentioned Planned Parenthood... but I think they only give care for pre-pregnancy testing/abortion advise... not sure how helpful with medical care/delivery if you are already pregnant.

Pregnacy is "exempt" from pre-existing conditions according to the law.

[malka 0]

"Pregnacy is "exempt" from pre-existing conditions according to the law."

What law? Many health insurance plans don't cover any pregnancy-related expenses for the first nine months of coverage. That's why these folks are having trouble.

[Niels Bohr 72]

No. It's a federal mandate that pregnancy has to be excluded by all medical insurance carrier. However, physical injury are considered to be a pre-existing condition.

[Niels Bohr 72]

No. Not federal mandate. Most providers excludes pregnancy. Honestly, I have never seen an insurance provider that take pregnancy as a pre-existing conditions before.

[Nikita2Charles 32]

Each states requirement is different, I would go to your local SS service, medicaid and get some information, and most likely they will be able to help you. Specially with the pregnancy, in NY they have WIC, and different programs for mothers, even teenage mothers where there's no clue who the father is and definetly no insurance. I have one temporary worker, as a temp he doesn't have insurance, but they were able to get a Temporary medicaid for his wife until she gets birth, she won't be covered after the pregnancy but at least that part is all taken care off. Also once the baby is born, it's a us citizen and therefore you can apply for help for the child, your wife can get out of the program after giving birth. Go there and inform yourself and good luck