Almost every new health insurance policy written will contain a “preexisting conditions” exclusion for any medical condition an individual currently has. Pregnancy would fall in this category. While it may be nearly impossible to find a standard insurance plan to cover the impending delivery, there are some options that are available.
Most states offer low-cost affordable health insurance for individuals and/or their children (and this includes children within the womb in many cases!). In Indiana, we have a program called Hoosier Healthwise designed specifically for low income families. Pregnant women can be eligible for full coverage or pregnancy coverage depending upon the family’s income and assets. If you live in any other state, check with your state’s government website (website address is probably http://www.in.gov, just replace the “in” with your state’s abbreviation).
Another consideration might be some type of point of service health program. These programs do not provide insurance “coverage” but reduce the cost of health care services if the individual chooses to utilize the services of a provider in their network. Since they are not insurance products, they may not include an exclusion for maternity. Discounts range from 20-60%. While this option will not pay entirely for the delivery, it may be a cost effective non-insurance solution.
Guide To Car Insurance
Here is a useful guide to car insurance. Buying car or motor insurance is important as it is legally enforced in the UK . You are required by law to have a policy to cover your liability to other road users.
Car Insurance protects motorists and drivers against liability in the event of accidents they may cause. It can also provide cover for the motorist’s own vehicle. If you are the cause of an accident the car insurance company will pay your liability to other people involved in the accident.
Ann wrote with the following question:
My Response:
The statement made applies specifically to new, individual health insurance policies. Yes, pregnancy which occurs prior to the effective date of the new policy would be considered “pre-existing” because the event occured prior to the effective date.
Due to the additional risks associated with even a routine delivery, most insurance carriers will decline to write individual health insurance for pregnant women.