Pregnant With No Insurance? – Mommy Insight Q & A

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Pregnant With No Insurance
How do you pay for a baby if you don’t have insurance
through work?
Mary
 Believe it or not many pregnant women find themselves worrying about the same thing.   The overwhelming anxiety and worry of the financial aspect of pregnancy and caring for a child can by far overshadow the excitement. 
If you are pregnant with no medical insurance there are options for you. 
1) There are Government Funded Programs

Medicaid is a state run program that is federally funded. Medicaid provides medical assistance for low-income families and individuals. 
Approximately one third of uninsured Americans will qualify for public programs like Medicaid.
Pregnant moms and children under the age of six whose family income is at or below 133% of the Federal Poverty Level automatically qualify for Medicaid. Many states have higher minimum mandatory income levels (around 185-200% of Federal Poverty levels) for pregnant woman and infants and some states even cover all prenatal care for pregnant women. Check with your specific state to see what options may available to you.
In the US you can go to:
US Department of Health and Human Services – Centers for Medicare & Medicaid Services online for further information.

Depending on the state you reside in, there may be other options which provide additional programs for women who are pregnant. In some states, women who don’t qualify for Medicaid may turn to the State Children’s Health Insurance Program (SCHIP) for similar benefits. Check with your state department of insurance to see if the SCHIP program covers expectant mothers.
Contact your local department of health information on local programs that may further assist you.

WIC is a federal agency that serves to safeguard the health of low-income women, infants and children under the age of 5. WIC provides nutritious foods to supplement diets, information on healthy eating, and referrals to health care.
For additional information go to WIC online.

2)Health Care Discount Programs

AmeriPlan is a discount plan to healthcare services. It is available in all US states except for  Alaska.
AmeriPlan can SAVE people up to 50% or more on their health care services.
Benefits AmeriPlan includes are physician, hospital, and ancillary services (i.e., lab work, tests, x-rays).
AmeriPlan is not insurance.  Therefore, all pre-existing conditions are covered (except orthodontic treatment in progress), there are no deductibles, no waiting periods, no claim forms, and it has no annual limits.
For more information on the AmeriPlan discount program go to AmeriPlan rr you call  toll-free at (800) 647-8421.

3)Healthcare provider or Hospital discount rates or payment plans.

Health care providers truly do understand how important medical care is during pregnancy. Many providers offer discounts or payment plans to pregnant women without insurance.

Contact the hospital you will be delivering at. Many hospitals are very willing to set up a payment plan or may offer discounts.

There are also lower-cost options available, such as birthing centers and midwife agencies. Your local health department can direct you to such services.

Resources:
US Department of Health and Human Services – Centers for Medicare & Medicaid Services

WIC

American Pregnancy Association

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