| Many women in America are in this situation today of | | | | Advantage. They help to negotiate the best pricing for |
| not having maternity insurance. The reasons for not | | | | lab work, help find the best doctor fees in your area, |
| having maternity coverage are all too common: "I | | | | and help find errors in billing to help cut costs. Click the |
| cannot afford it", "I thought my coverage included | | | | link above to have a maternity specialist help you |
| maternity", or "I just didn't choose to have it in my plan | | | | better understand the different programs they have |
| because, we weren't planning on having a baby yet". | | | | available for you. |
| Even though the reasons are different the end result is | | | | **Cash Pay Option--- Most OBGYN's have two billing |
| the same. It is such a shame that during one of the | | | | methods 1) Global billing-which is used for insurance |
| happiest times in a woman's life has to be mingled in | | | | and 2) Cash payment. With a cash payment option |
| with worry and fear. It is my hope that the information | | | | they give you a cash pay discount for their medical |
| in this article will provide clear answers and will help | | | | services. Typically, the doctor's office will charge you |
| remove some of the anxiety you may be feeling. I | | | | around $2000-$3000 dollars from conception to |
| remember when my wife was pregnant; we had | | | | delivery. Next, you will need to contact the billing |
| enough to worry about let alone the financial aspects | | | | department for your hospital. Every hospital has a |
| of having a baby. | | | | prepayment package for delivery services. Usually |
| So what are your options if you do not have maternity | | | | these packages range from $3000-$5000 dollars. As |
| coverage? Unfortunately, as you probably have | | | | you can see this is a much more expensive option to |
| already experienced the insurance avenue is out! | | | | experience on the front end, but you do save at the |
| Once you are pregnant, insurance companies will not | | | | end. On average a normal pregnancy if you do not |
| accept you. It is kind of like trying to get auto insurance | | | | have insurance, use an advocacy group, or discount |
| after a car wreck. Fortunately, there are a few | | | | plan will cost you from $7500-$10,000 dollars-just for |
| choices you can make: | | | | delivery!!! |
| **Discount Medical Plans--- Discount medical plans like | | | | As you can see there are options available for |
| Ameriplan are similar to traditional major medical plans | | | | pregnant women. I wish they were as comprehensive |
| yet are different. Major medical insurance plans are | | | | as traditional health insurance with maternity care, but |
| designed to help cover the costs of medical claims. | | | | these programs do help save women a lot of money |
| Discount plans, however, just provide a better rate for | | | | in their maternity expenses. I hope after reading this |
| health services. The nice thing about discount plans are | | | | article you have a better understanding of what your |
| they are significantly less expensive than traditional | | | | choices are and are able to develop a road map of |
| health plans and you can begin using the benefits from | | | | what to do next. But most of all, I hope that now you |
| day one. | | | | can rest a little easier at night because in a few short |
| **Advocacy Groups--- Similar to discount medical | | | | months you will have a lot of late nights with your new |
| plans are maternity advocacy groups like Maternity | | | | baby. |