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Posts Tagged ‘Maternity’

Insurance For Pregnant Women: – Overcome Your Maternity Costs

Are you enjoying the unforgettable moments of life “pregnancy”? Is the due date of delivery getting near? Pregnancy is the earlier step towards motherhood. No doubt, the news of the coming baby spreads happiness on every face. Everyone get excited and anticipated for the arrival of new born baby. But, this fact is also very much clear that a hefty amount is required for the maternity costs. Acquiring insurance policy for pregnant woman on time shows your intelligence and wisdom. Insurance policy helps to secure the mother with new unborn baby from many usual and unusual calamities like miscarriage or loss of the baby. It helps to cover all the expenses related with maternity. You can avail the best insurance policy from a large number of branded financial institutions. They provide you health as well as travel insurance.

When the due date of pregnancy comes closer, many health advisors and physicians suggest the women to sit at home and she is prohibited to move. In some exceptional cases, pregnant women have to travel from one place to another. At that time, obtaining suitable travel insurance provides you safety and protection. Like this, by acquiring travel insurance policy, you can enjoy your traveling or holidaying without any fear or tension.

On the other hand, health insurance provides medical support to the pregnant woman. Routine check-ups are one for knowing the growth of the baby. Women must have to go for the routine medical check –ups till the last month. Physicians make many medical treatments like ultrasounds, amniocentesis, or other costly procedures are necessary for confirming both the mother and new unborn baby’s health. A plenty full amount is required for the medical expenses and parental care. By availing the insurance policy, you can overcome from lengthy and huge medical bills.

Availing healthy and fit baby is the dream of every pregnant woman. In this way, no one consider the money matters as a big issue. Everyone wants to acquire the appropriate and best insurance policy for their pregnant woman. Apart from this, the women who are tagged with CCJs, IVAs, arrears, defaults, late loan payers etc. are also eligible for acquiring the suitable insurance policy.

If you are unable to take out some time for availing the insurance policy, then online mode is evaluated as the right choice. In the UK, loan market is rushed out with numerous finance providing companies and they enhance their customers by offering them the attractive services. So, you should read all the terms and conditions before availing the insurance policy.

Rosie Gravin is specializing in writing articles on Pregnant travel insurance, Supplemental maternity insurance.

About Author
For more information about the author please visit http://www.pregnantwomeninsurance.com

Insurance For Pregnant Women: – Overcome Your Maternity Costs

Are you enjoying the unforgettable moments of life “pregnancy”? Is the due date of delivery getting near? Pregnancy is the earlier step towards motherhood. No doubt, the news of the coming baby spreads happiness on every face. Everyone get excited and anticipated for the arrival of new born baby. But, this fact is also very much clear that a hefty amount is required for the maternity costs. Acquiring insurance policy for pregnant woman on time shows your intelligence and wisdom. Insurance policy helps to secure the mother with new unborn baby from many usual and unusual calamities like miscarriage or loss of the baby. It helps to cover all the expenses related with maternity. You can avail the best insurance policy from a large number of branded financial institutions. They provide you health as well as travel insurance.

When the due date of pregnancy comes closer, many health advisors and physicians suggest the women to sit at home and she is prohibited to move. In some exceptional cases, pregnant women have to travel from one place to another. At that time, obtaining suitable travel insurance provides you safety and protection. Like this, by acquiring travel insurance policy, you can enjoy your traveling or holidaying without any fear or tension.

On the other hand, health insurance provides medical support to the pregnant woman. Routine check-ups are one for knowing the growth of the baby. Women must have to go for the routine medical check –ups till the last month. Physicians make many medical treatments like ultrasounds, amniocentesis, or other costly procedures are necessary for confirming both the mother and new unborn baby’s health. A plenty full amount is required for the medical expenses and parental care. By availing the insurance policy, you can overcome from lengthy and huge medical bills.

Availing healthy and fit baby is the dream of every pregnant woman. In this way, no one consider the money matters as a big issue. Everyone wants to acquire the appropriate and best insurance policy for their pregnant woman. Apart from this, the women who are tagged with CCJs, IVAs, arrears, defaults, late loan payers etc. are also eligible for acquiring the suitable insurance policy.

If you are unable to take out some time for availing the insurance policy, then online mode is evaluated as the right choice. In the UK, loan market is rushed out with numerous finance providing companies and they enhance their customers by offering them the attractive services. So, you should read all the terms and conditions before availing the insurance policy.

Rosie Gravin is specializing in writing articles on Pregnant travel insurance, Supplemental maternity insurance.

About Author
For more information about the author please visit http://www.pregnantwomeninsurance.com

Insurance For Pregnant Women: – Overcome Your Maternity Costs

Are you enjoying the unforgettable moments of life “pregnancy”? Is the due date of delivery getting near? Pregnancy is the earlier step towards motherhood. No doubt, the news of the coming baby spreads happiness on every face. Everyone get excited and anticipated for the arrival of new born baby. But, this fact is also very much clear that a hefty amount is required for the maternity costs. Acquiring insurance policy for pregnant woman on time shows your intelligence and wisdom. Insurance policy helps to secure the mother with new unborn baby from many usual and unusual calamities like miscarriage or loss of the baby. It helps to cover all the expenses related with maternity. You can avail the best insurance policy from a large number of branded financial institutions. They provide you health as well as travel insurance.

When the due date of pregnancy comes closer, many health advisors and physicians suggest the women to sit at home and she is prohibited to move. In some exceptional cases, pregnant women have to travel from one place to another. At that time, obtaining suitable travel insurance provides you safety and protection. Like this, by acquiring travel insurance policy, you can enjoy your traveling or holidaying without any fear or tension.

On the other hand, health insurance provides medical support to the pregnant woman. Routine check-ups are one for knowing the growth of the baby. Women must have to go for the routine medical check –ups till the last month. Physicians make many medical treatments like ultrasounds, amniocentesis, or other costly procedures are necessary for confirming both the mother and new unborn baby’s health. A plenty full amount is required for the medical expenses and parental care. By availing the insurance policy, you can overcome from lengthy and huge medical bills.

Availing healthy and fit baby is the dream of every pregnant woman. In this way, no one consider the money matters as a big issue. Everyone wants to acquire the appropriate and best insurance policy for their pregnant woman. Apart from this, the women who are tagged with CCJs, IVAs, arrears, defaults, late loan payers etc. are also eligible for acquiring the suitable insurance policy.

If you are unable to take out some time for availing the insurance policy, then online mode is evaluated as the right choice. In the UK, loan market is rushed out with numerous finance providing companies and they enhance their customers by offering them the attractive services. So, you should read all the terms and conditions before availing the insurance policy.

Rosie Gravin is specializing in writing articles on Pregnant travel insurance, Supplemental maternity insurance.

About Author
For more information about the author please visit http://www.pregnantwomeninsurance.com

Maternity / Pregnancy Insurance Options in North Carolina

There’s not much information available online regarding strategies for planning to pay for maternity, including delivery and prenatal care in North Carolina, so I’ve decided to write this article to provide a little insight on the issue.

If you are currently pregnant, your options, in order of desirability, are Medicaid, group insurance, and prepayment plans. After you are pregnant, it is not possible to issue an individual policy. Application will automatically be declined. If you are in the process of planning your pregnancy, the best options for minimizing your maternity costs are Medicaid, group insurance, individual insurance with Blue Cross Blue Shield, prepayment plans, in order of descending desirability.

The average total maternity charges submitted to Blue Cross Blue Shield of North Carolina in 2007 was $20,015 per pregnancy 1. A patient may be required to pay this full amount, however many families negotiate with hospitals and providers to pay a discounted rate when the only option is to pay out of pocket.

When planning to cover the costs of maternity the four primary options in North Carolina are as follows:

1. Group maternity insurance coverage. This is often the most advantageous way to pay for maternity costs because many group policies cover maternity for all females on the policy without an additional rider. Also, if you are already pregnant, and don’t meet the income requirements for Medicaid, this is your best shot at getting your pregnancy covered by an insurance company. Additionally, some group policies do

not consider pregnancy a preexisting condition, so this is a good option to consider if you are already pregnant.

After the charges have been submitted to the insurance company, it is worthwhile to ask the hospital if you can get a discount by paying the deductible in full as opposed to making payments over time. I am aware of instances where the deductible has been discounted for a prompt payment in full.

2. Individual maternity insurance coverage with Blue Cross Blue Shield. At the date of this writing, I am only aware of one individual health insurance company in North Carolina that offers coverage for maternity. The company is Blue Cross Blue Shield and the policies are Blue Advantage® and Blue Options HSA sm. I am not aware of any individual health insurance policy that will cover you after you are already pregnant. HumanaOne previously offered an individual maternity policy, but has since discontinued it. I am generally skeptical of small health insurance companies, if you are even able to find one that offers maternity, because they are often on tight budgets and as a result their policies often contain ungainly loopholes.

The Blue Cross Blue Shield individual policy is somewhat similar to a prepayment plan through a hospital, as the premiums for adding the maternity rider are fairly substantial. However, the benefit of the policy is that, in the event of a pregnancy that involves complications, your costs are much more predictable. Pregnancies with complications are often significantly more expensive than a normal delivery, so this option is more desirable than a straight prepayment plan.

Blue Cross Blue Shield’s maternity plan uses the deductible and coinsurance of the plan it is attached to, so it is important to evaluate the varying cost of maternity riders within the context of the deductible and coinsurance of each plan. For example, suppose the maternity rider for a plan was $350 per month. Suppose this plan has a $2,500 deductible with 100% coinsurance. Now the total cost for the pregnancy over the course of a year is $350 times 12 months = $4,200 + the $2,500 deductible = $6,700 for the pregnancy. Now, suppose a second plan had a maternity rider for $450 per month. Suppose this plan has a $1,500 deductible with 100% coinsurance. Now the pregnancy would cost $450 times 12 months = $5,400 + the $1,500 deductible = $6,900. With this hypothetical scenario, the first option is better even though the deductible is higher. The purpose of this example is the illustrate the importance of paying attention to how much it costs to lower your deductible.

With Blue Cross Blue Shield’s maternity plan, it is also important to plan the timing of the pregnancy. The individual deductible reset every January 1st, so it is best to start a maternity policy at the beginning of the year and start trying to get pregnant at that point. Otherwise, the pregnancy will overlap calender years and you may have to meet your deductible more than once.

3. Medicaid maternity coverage. Visit the state website for application instructions and income eligibility requirements.

4. Prepayment plans. I you are already pregnant, a prepayment plan is a last resort. In this case, you should contact the prenatal and delivery caregivers to negotiate a prepay rate. Many hospitals offer discounts for paying out of pocket in advance. When conducting prepayment negotiations it is important to be very specific about what is covered by the arrangement and if the price includes complications of pregnancy, or only normal delivery.

Summary

Overall, from a financial perspective, Medicaid is typically the least expensive option, followed by group insurance. Individual maternity with Blue Cross Blue Shield is the third most desirable as a measure to minimize the cost of unexpected complications of pregnancy. The fourth option is the prepayment plan negotiated directly with the provider.

NC Maternity Pregnancy Insurance Coverage

1. Average charges submitted to BCBSNC for maternity services, professional and hospital etc. in 2007. Your charges may vary.

About Author
David Goebelt has been a licensed health insurance agent with Blue Cross Blue Shield for the past four years, two of which were spent brokering health insurance between multiple companies.

Study Guide for Maternity & Women’s Health Care

Product Description
This essential study tool provides additional exercises to help you master the material presented in the textbook including chapter review activities, critical thinking exercises, multiple-choice and matching questions, and more…. More >>

Study Guide for Maternity & Women’s Health Care

Study Guide for Maternity & Women’s Health Care

Product Description
This essential study tool provides additional exercises to help you master the material presented in the textbook including chapter review activities, critical thinking exercises, multiple-choice and matching questions, and more…. More >>

Study Guide for Maternity & Women’s Health Care

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