Every woman is entitled to proper health care and maternity health insurance plan during her pregnancy. But the issue is that due to high rising inflation rates, most of the women are not able to bear the costs of maternity health treatments, let alone a health insurance plan. In todays world we cant underestimate the power of health insurance in order to lead a healthy life. Most of the women and even men are not able to bear the costs of expensive medical treatments these days. So if you are pregnant or planning to go for pregnancy then its best for you to get a health insurance for pregnant women in order to protect yourself from any disastrous situation.
Private health insurance plans:
First of all you need to understand that maternity insurance or pregnancy insurance coverage is provided within almost every health insurance plan but if you are seeking for a health insurance plan that is totally featured on maternity insurance then this type of plan doesnt exist. The private health insurance plans that offer you the coverage for maternity health are extremely expensive. If you have purchased a health insurance plan or if your husband has gotten one for the family then your maternity must be covered in that private plan. This type of plan offers you the freedom of choice for the hospital where you would like to receive the pregnancy checkups and deliver the baby.
State-controlled health insurance plans:
If you are not able to bear the costs of private health insurance plans then the CHIP and Medicaid programs also provide coverage to the pregnant ladies that dont have sufficient earning or belong to poor families. If you fall in the group of those women who dont have sufficient earning then you can get registered for any of these programs. But first of all you need to check for the availability of these programs in your state because every state offers these programs in different form or under different names. Next you need to check for your eligibility in these programs because the terms of eligibility also differ according to state.
What sort of coverage is provided under maternity health insurance?
Coverages provided in the maternity-based health insurance plans differ according to the nature of the policy. If you have opted for private health insurance then the coverage provided to you would be quite extensive. Not only will your medical bills, medicinal costs, doctor fee and other treatments will be covered for the nine months of the pregnancy but you will also be entitled to the compensation provided for the delivery charges, but this is not the case in state-controlled maternity insurance.
Although state-controlled maternity insurance plans are going to provide you some benefits but their benefits would be limited to the pregnancy check-up costs for the entire duration of the pregnancy. Some of the state programs also cover the costs for the medicines and small medical treatments during pregnancy but delivery costs or C-section costs are not covered in the plan.