Insurance For Pregnant Women – A Brand New Option
December 16th, 2011
The number of uninsured women has increased by 12.8% between 2007 and 2009, and over 22% of women in their child bearing years are uninsured, according to the March of Dimes PeriStats database. The number of women who are pregnant without health insurance is growing. If you are pregnant, no insurance means you have to pay the full cost of delivery and prenatal care, which, depending upon where you live and the type of delivery, can cost between $12,000 and $20,000. Getting health insurance for pregnant women is a priority in order to avoid these costs.
There are 2 options to obtain insurance for pregnant women no matter what your income level is. The first option is to look at the state Medicaid option, and then the 2nd option the Pre-Existing Condition Insurance Plan (PCIP).
The PCIP is a federal program that is available in all 50 states, and is intended to provide affordable health insurance to anybody that has been unable to get health insurance. This means the PCIP can be applied to women who are pregnant without insurance. Check with a good insurance broker in your state to get more information about this program.
The PCIP California is priced at affordable prices and offers a rich set of benefits. This pre-existing condition insurance plan California provides a maximum out of pocket cost of $2500, a $1500 deductible, $24 office visit copays, and offers coverage for both generic and brand name prescriptions. The requirements to qualify for the California PCIP are that you have been uninsured for the last 6 months, and you’ve had an insurance application declined within the last 12 months. Therefore, if you are pregnant with no insurance in California, call a local insurance broker to see what the plan costs, how to enroll, to get a simple 4 page application, and enroll in the PCIP to provide protection for your baby and you.
When compared against other maternity Health insurance plans, the PCIP is the third best California maternity insurance plan. The best plan for pregnancy health insurance is the Kaiser Permanente 0/1500 HSA plan with a total out of pocket (TOOP) cost of $4854, the second best plan, with a TOOP of $5064 is the Kaiser $50 Copay, barely ahead of the PCIP plan with a TOOP of $5068. From the other 3 companies offering maternity insurance plans in California, the best plan is the Anthem Blue Cross Select HMO plan and a TOOP of $7570.
Visit SPF Insurance to learn more about the “California Maternity Health Insurance Plans Analyzed” article mentioned above.
There is no reason to worry about getting pregnancy health insurance if you are pregnant without insurance. Medicaid and PCIP can provide the solution to get health insurance for pregnant women in California. Go ahead and get started today figuring out what plan is best for you. Call the state Medicaid office, and then get information about your state Pre-Existing Condition Insurance Plan California from an insurance broker in your state.
Get more information about health insurance for pregnant women, and get cost, how to enroll, and application forms at PCIP California.
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