Pregnant Without Insurance You Can Get Coverage

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.

No matter what your income level is, there are ways to get insurance for pregnant women. The 2 options to look into are your state Medicaid programs, and then 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 best part of the California PCIP is that is offers a rich set of benefits at affordable prices. The pre-existing condition insurance plan California has a $1500 deductible, $25 office visit copays, both generic and brand name prescription coverage, and a maximum $2500 out of pocket limit. To qualify for the PCIP California plan you need to have been declined by an insurance company within the last 12 months, and be uninsured for 6 months. For more information about the cost of the program, how to enroll, and how to get the simple application, women that are pregnant with no insurance in California should contact an insurance broker so they can protect themselves and their baby.

When I compared the PCIP to other pregnancy health insurance plans, I found that the PCIP is surprisingly the 3rd best California maternity health insurance plan. Kaiser Permanente has the best pregnancy health insurance plan, the 0/1500 HSA plan with a total out of pocket cost (TOOP) of $4854, the 2nd best plan, with a TOOP of $5064 is the Kaiser HMO plan $50 Copay, and the PCIP is just slightly behind with a TOOP of $5068. If you look at the next best plan from the other insurance companies that have maternity insurance plans, you’d get the Anthem Blue Cross Select HMO plan with a TOOP of $7570.

To get more information about the California Maternity Health Insurance plan Analysis, visit SPF Insurance.

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 the info you need about Insurance for Pregnant Women, and find out how to sign up for the Pre-Existing Condition Insurance Plan California at SPF Insurance.