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Healthcare Coverage While Pregnant
Going to the doctor is a necessity when pregnant. Ask questions here about what insurance companies, both private and Medicaid, cover during your pregnancy.
188 Questions
Is pregnancy considered a preexisting condition by insurance companies?
Yes. Many insurance companies will place a waiting period on maternity coverage to ensure that the policyholder is not purely purchasing the policy to take advantage of a maternity benefit.
The typical waiting period for a maternity benefit is between 12 and 24 months from the start of the plan. It is important to note, however, that it can be possible to receive a newborn coverage benefit at a much earlier time (in some cases as early as 6 months).
If you have your delivery during the policy waiting period for maternity then none of your expenses will be reimbursed by the insurer. It is important that all policyholders understand how long the waiting period is for all benefits on their health insurance plan.
Is Cortal dangerous on pregnant women?
Yes it will affect on pregnant women if taken in full dose during third trimester.
My girlfriend is pregnant if we get married will insurance cover the pregnancy?
Depends on the company. Most major companies would cover it. Smaller companies might not. Read your policy & see if it says anything or ask your employer.
Can you check your irda license validity?
validity of licence can be check from irda website in surveyor list
What are the largest health insurance companies in the US?
The following health insurance companies/managed care organizations are shown with their overall Fortune 500 ranking as a US company (2008): 1. UnitedHealth Group - 25 2. WellPoint - 33 3. Aetna - 85 4. Humana - 98 5. Cigna - 141 6. Health Net - 179 7. Coventry Health Care - 266 8. Amerigroup - 555 9. Universal American - 669 10. Centene - 685
Is policy holder health insurance automatic guarantor of step child?
In medical insurance, the policy holder of the policy is not automatically the guarantor of a step child. To become the guarantor of the child a formal adoption should have taken place, or the child can be added to the policy.
What does it mean by permanent impairment on the knee?
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An ovarian cyst would not be considered a pre existing condition. You should have no problem getting an insurance plan.
How many hours of work are required in order to have health insurance paid by the employer?
Generally 30, it's up to the employer. For more info. see the links.
Which health insurance companies insure foreigners in the US?
If you are referring to private insurance, then contact an agent, this of course assumes you are legal. Also if the company you are employed with offers group insurance then you should qualify there as well.
If you are foreign visitor, seeking temporary health insurance during your stay abroad, you need Visitor Medical Insurance. Visitors Health Insurance is highly recommended for international visitors and foreign travelers visiting countries like the US and Canada, which covers the visitors health outside his or her home country. There are many plans from many visitor insurance providers, you can visit and then review the various options.
How much does it cost to have a baby without health insurance coverage?
Costs vary from hospital to hospital, area to area and so on. I had a baby in Feb 2005 so I can give you those costs charged to me. My hospital bill for the delivery was est $6500.00. My doctor bill was $4500. There were also bills for labs, ultrasounds and any other testing. HTH. If you have a health care insurance and you are from Canada, it's free! Source: http://www.surgerycosts.net/price.php?medical=baby-delivery
How much does it cost to care for a baby?
I couldn't make a good estimate. Babies have different needs other than the obvious ones. Food, clothing, blankets, diapers, crib, high chair, and on and on. Then there is pediatric care, maybe daycare expenses, etc. I believe an insurance company estimated the average cost for raising a child to the age of seventeen, was approx. $200,000+, I don't recall what was included in that figure.
A LOT! All the above mentioned and more - considering housing expenses (there are different needs for a single person and a person with a child), and many other things that come up. If you're wondering, child support doesn't even begin to cover it (considering it's based on a standard of living).
According to a recent study by the U.S. Department of Agriculture, it costs a middle-income family $250,000 to raise a child from birth to age 17. And that doesn't include the cost of a college education. In the first year alone, the costs of a baby can reach between $9,000 and $11,000, and most new and expectant parents don't realize the size of the financial burden they are taking on. So how is the money spent?
1. Medical expenses
Medical care for mother and child is a potentially significant expense facing new parents. The cost of delivering a new baby can range from $5,000 to $8,000 for a vaginal delivery to more than $12,000 for a cesarean delivery. If there are complications, those costs can increase dramatically. Even if your child is in perfect health, new babies require numerous well-visit checkups and immunizations. Be sure to check the terms of your health insurance coverage carefully so that there are no surprises when it comes to who is responsible for paying for what portions of your and your baby's medical care. Because many health plans penalize you for using doctors that aren't on the health plan's approved list, confirm that your obstetrician (including the hospital at which you plan to deliver) and pediatrician are "in network." An often overlooked expense is the additional cost to add a child to your health insurance. After reviewing your health insurance coverage, check to see if your employer offers a health care flexible spending account. These accounts can significantly reduce the burden of out-of-pocket medical expenses by allowing you to pay for qualifying expenses with pretax dollars.
2. Maternity leave
Although most short-term disability insurance policies cover the time Mom is out of work due to recovery from child birth (or complications during pregnancy), the average policy only pays a portion of your gross income for a set number of weeks (usually four to eight) after birth. If your maternity leave extends beyond the stipulated time, or if Dad decides to take advantage of the Family and Medical Leave Act (FMLA), it will be at no pay unless you use vacation or sick leave. Some recommend saving one of the parents' salaries as much as possible before the birth.
3. Child care
If both parents work outside of the home, they need to be prepared for probably the biggest financial shock facing new parents -- the cost of child care. Depending upon where you live, child care expenses can range from $5,000 per year for family day care to more than $20,000 per year for a live-out nanny. Check out day care options during the pregnancy and choose one that you are comfortable with and that you can afford. Check with your employer to see if they offer a dependent care spending account. Similar to health care flexible spending accounts, these accounts enable you to pay for qualifying child care expenses with pretax dollars. You may also be able to claim a child care credit on your federal income tax return, although, if available, a dependent-care spending account is often more advantageous financially.
4. Diapers and wipes
The average baby goes through 10 diapers a day. If you use disposable diapers, that'll cost you about $2,000 by the time your little one is potty-trained! The cost of cleaning their little bottom with a wet wipe or two at each diaper change will add about $100 to your monthly grocery bill. Even cloth diapers can be expensive if you use a diaper service. To save money in this area, you can use cloth diapers and launder them yourself.
5. Formula and/or breast-feeding expenses
The cost of formula shocks just about every new parent. The general rule of thumb is that a baby needs about 2.5 ounces of formula per pound of body weight per day. Breast-feeding can certainly minimize that expense, but there are some hidden costs associated with breastfed babies. For example, you may need to purchase or rent a breast pump, an essential for moms who work outside the home. Nursing bras, breast pads, nursing tops, lanolin ointment and a breast-feeding pillow are also common expenditures.
6. Baby gear
Many new parents don't realize just how much "baby gear" is required to care for and entertain an infant. Crib? Changing table? Rocker or glider? Car seat? Stroller? Baby swing? Monitor? Bouncer seat? Doorway jumper? Most of these items, with the exception of a car seat, can be purchased used.
7. Clothing and shoes
Lisa Collier Cool of Pelham, N.Y., was surprised by how much she spent just dressing her children. "Babies outgrow clothing at an amazing rate, so they need a new wardrobe every few months," Collier Cool says. "Plus, they never get to wear some of the gifts you get because by the time they get to be the right size, it's the wrong season for the clothes!" Shopping at consignment stores and yard sales or swapping baby clothes with friends can save a lot of money. Buying clothes on sale at the end of the season (in a larger size so your child can wear the clothes next year) also helps cut expenses.
8. Baby food
Once babies reach 4 to 6 months of age, they start eating baby food in addition to drinking breast milk or formula. Although it can be time consuming, pureeing your own food rather than buying baby food in jars can be a money-saver.
9. Life insurance premiums and attorney fees
Experts advise couples to review their life insurance policies and increase them so that each spouse has adequate funds to raise each child to age 21, should something happen to one of them. In addition, they should have wills written, naming a guardian for the baby. If there is no will and the two parents die together, do you want a judge to decide who will raise your child without the benefit of your opinion? There's no way to get around the attorney's fees for setting up a will and taking care of your insurance and estate planning, but doing some comparison shopping may help. Ask friends and family members who they used and find legal and financial representation that is reasonably priced. There's no doubt about it, having a baby is expensive.
AlternativeThe above answers are great for middle-class parents, but reading them you'd get the impression that it's pretty irresponsible then, for poor folks to have kids. Actually, baby-related expenses can be very low, if you are willing to seek out the cheaper options and not buy into the baby-product propaganda machine. For example, breastfeeding saves tons of money, if you can arrange your life so that breast milk and the occasional rice cereal or oatmeal are all baby eats for a while (avoid expensive pump/bottle systems if you can). Likewise, if you can pay for adjustable cloth diapers up front and handle the washing, a new mom can avoid about $2000 in diaper costs down the line. Formula and diapers are the big financial hits from my experience.Day care is another one, so self or family care of baby will cut down on costs. Baby furniture is also extraneous. No one *needs* a changing table, because any flat surface will do - couch, bed, carpet, and you actually don't need a crib if you don't mind sleeping with your new snugglebug - and who minds that? It actually reduces (at first) the famous new mom sleeplessness because when baby needs to feed you just stick her on your boob and go back to sleep. Easy! Car seats can often be had for free from various state public health agencies, and strollers do not need to be the monstrous kind with cup holders and storage and all that you see nowadays. Medical costs are expensive - if you don't have insurance with a decently low co-pay. But some states, like Oregon and Massachusetts, have good health care for low-income people. Further, get a book like the Sears book that has a section on diagnosing problems so you won't be panicked by every sniffle but will know when to take baby in.
Is a 19-year-old dependent daughter covered for maternity care?
it really depends of each individual insurance. If the 19 year old is a full time student, she would be fully covered under your insurance. Also, some state laws require parents to cover a dependant child until a certain age (thru age 19 or sometimes even 23).
if the child is covered under the insurance, a pregnancy would be covered.. meaning all prenatal care, post natal for the mother and delivery, including hospital and physician fees. The baby however, will not be covered. The dependant of a dependant is not typically a eligible covered dependant on any insurance plan.
I've seen insurance plans that would cover a 19 year old child dependent, but, when you check the maternity benefit, she won't be covered unless there is a complication with the pregnancy.
If your insurance plan covers her as a dependant or student then she will be covered for her maternity. Most insurance policies will not cover a dependant grandchild, it depends on your individual plan. I have not seen any plans in my company that do. You may need to look into applying for Medicaid for the grandchild.
As stated above if the 19 year old is a qualified dependent then it should be covered **IF** the parents policy covers maternity. Maternity is not automatic coverage in all circumstances and is a benefit that is being made optional with much greater frequency in those states where the insurance company is not obligated to include it.
Yes it is, still pre-existing, even if it wasnt to your knowledge. HIPAA is the law. Best chances for HIPAA to apply are if you go from a group plan to a group plan. Evidentally, individual to group and nothing to group are loop holes, so they can probably get out of it, or make you wait a certain amount of time. According to a Federal law that I found on the internet, GROUP health insurance cannot consider pregnancy a pre-existing condition if they currently have maternity coverage. However, this law does not apply to INDIVIDUAL health insurance. So, if you've changed jobs, and you now have a GROUP health insurance plan, then there is a good chance that you may be covered. I just recently got individual insurance through BCBS and I was pregnant and did not know when I requested maternity coverage. BCBS policy says that pregnancy can not be considered a pre-existing condition and their definition of a pre-exisiting condition is a condition that you can been receiving treatment and/or professional advice and help for for 6 months or more before opting for coverage. Also, they say that except for pregnancy all pre-exisiting conditions require a 180 day waiting period.
Probably not. Does the company belong to MIB? http://www.mib.com/html/health.html
The important thing is that you answer the questions correctly on the new application - otherwise they can recind it as the Insurance Company relies on your application to make a decesion http://www.steveshorr.com/wrong.or.imcopmplet.info..htm
Most health insurances have a pre-existing clause in them...some also offer certain rider coverages to pay for certain procedures related to a certain diagnosis. Fortunately for most, health insurances that have a pre-existing clause also gives the insured an opportunity to prove that they were covered previously through another carrier by allowing the insured to provide them with a "certificate of coverage" this will allow the carrier to show that the insured did have coverage through a previous carrier. However, it is always best to fill out the coverage application in full.
Term life insurance is the simplest, and usually the cheapest, form of life insurance. Term life insurance provides protection for a specific period of time. It pays a benefit only if you die during the term. If you are living the policy expires without value. It is sometimes called temporary life insurance.
Term Life Insurance
There are different types of term insurance: Annual renewable term, decreasing term, and level term. Level term usually is the best because the premiums and coverage are level for a specific period of time: 5, 10, 15, 20, 25, 30 years. Buying level term and investing the difference in premium (had you bought a cash value policy such as whole life, universal life, or variable life) you'll most likely (99.99% of the time) have more coverage and more cash accumulated in the long run. By separating insurance and savings, you are able to maximize each and get the best return and coverage available. The point of level term, is once the kids are gone, the debt is minimal, and retirement savings is there, why pay for life insurance? At this point you are self insured and you can cancel the life insurance. But when you NEEDED it, you had it, and it was cheap.
AnswerRemember if you buy term life, when the term ends so does the insurance. Also all the money you spent on it is gone.There is the possibility that the premiums will increase as the policy goes on.
AnswerTerm life insurance provides protection for a specified amount of time (or term) and pays benefits only if the individual dies during that period. Term policies can be sold in terms of number of years like (1 year, 5 year, or 10 year) or in terms of individual's age (term to age 50, or term to age 65). There are three basic types of term insurance:
Level term insurance - provides a level amount of protections throughout life of the policy
Decreasing term insurance - provides protection in which the amount gradually decreases throughout the life of the policy. This coverage is typically sold for individuals that want to protect family members from current liabilities such as a mortgage. As the mortgage is paid off the need for the higher payout upon death is reduced therefore this coverage decreases not only the payout upon death as time goes by but also has lower premiums.
Increasing term insurance- As you may have guessed this policy is the opposite of decreasing term insurance. In this form the protection gradually increases over the life of the policy. Generally the idea here is to keep pace with inflation or cost of living expenses.
Term life insurance offers you life coverage for a certain term or period of term, say 5, 10, 15, or 20 years. On a level term policy, premiums remain steady during the term and are usually low cost. Because premiums are cheap and death benefits are high, term policies are more popular.
However, should you survive the term, term policies offer no cash/surrender value. Premiums paid are returned to you, interest free, if you choose an ROP Term Policy. Other options to consider in a term policy are renewability privileges, waiver features, etc.
Term Life is one variation of Life Insurance that is only in force for a certain "term" or length of time. The most common length of time are: 10, 20 or 30 years. Another form of Life Insurance is called Permanent Life Insurance which will last you the rest of your life as long as you pay the premiums, but is generally much more expensive.
This sounds like a question I was emailed directly. Here's more detail on the question and the answer... I currently do not have health insurance. My wife wants to conceive a baby during this year. This fall I will begin a Ph.D. program at Arizona State University, ***I'm not really familar with the law in Arizona which will provide me with a student health plan insurance policy to which I can supposedly add my wife. Can they deny us insurance if she is pregnant? ***It's not an employer group plan so you wouldn't have HIPAA protection , verify that they are talking about EMPLOYER - EMPLOYEE plans only. There is much conflicting information on the internet, but I read a pamphlet on the Department of Labor website does not matter if the woman had previous coverage, that even if she did not the group plan ***Check the code. They are most likely talking about an EMPLOYER group plan cannot deny coverage. Why is there so much conflicting information about this on the web? ***Definition of terms. Which laws apply to which situations Here's the Federal Governments definition of a Group Health Plan 26 USC Sec. 5000 01/06/03 For purposes of this section - (1) Group health plan The term "group health plan" means a plan including a self-insured plan) of, or contributed to by, an employer (including a self-employed person) or employee organization to provide health care (directly or otherwise) to the employees, former employees, the employer, others associated or formerly associated with the employer in a business relationship, or their families. (2) Large group health plan The term "large group health plan" means a plan of, or contributed to by, an employer or employee organization (including a self-insured plan) to provide health care (directly or otherwise) to the employees, former employees, the employer, others associated or formerly associated with the employer in a business relationship, or their families, that covers employees of at least one employer that normally employed at least 100 employees on a typical business day during the previous calendar year. For purposes of the preceding sentence - (A) all employers treated as a single employer under subsection (a) or (b) of section 52 shall be treated as a single employer, (B) all employees of the members of an affiliated service group (as defined in section 414(m)) shall be treated as employed by a single employer, and (C) leased employees (as defined in section 414(n)(2)) shall be treated as employees of the person for whom they perform services to the extent they are so treated under section 414(n). http://uscode.house.gov/uscode-cgi/fastweb.exe?getdoc+uscview+t26t28+1483+1++%28%29%20%20AND%20%28USC%20w%2F10%20%285000%29%29%3ACITE%20%20%20%20%20%20%20%20%20 Will we be able to get insurance (we are otherwise healthy young people). ***If she is pregnant, I doubt it.
Is this a group or individual plan? For an individual plan, it probably is - check the policy.
What do you do if you're pregnant with no income or insurance?
Contact your state social services and make an appt. to apply for Medicaid. It is also possible that in your community there are clinics which will accept patients who have little or no financial resources. The DFS (social services) will be able to aid you in finding medical help. It is very important for your health and your unborn child to seek prenatal care asap.
What Medicaid pay for eye care?
medicare does not cover vision care, i assume medicaid does not either
Is pregnancy considered a pre-existing condition?
Pregnancy is not a pre-existing condition when enrolling in a group (employee benefits) plan.
That is not the whole answer to the question. It needs to be determined if your question is about group or individual insurance?
It is true that pregnancy is not considered a pre-existing condition if you are going from one HMO to another. But it is a different story when when you go from private coverage to an HMO, or if you did not have insurance previously then tried to go to an HMO.
HIPPA (federal law) requires that when going from one job to another, and also changing HMO, then the new HMO can not bar you from coverage. There is however no federal protection if you did not have coverage before.
**** It depends on when you got you medical insurance. I have been told by my insurance that it could be if you got prego before you got your insurance. It all depends on the company you work for or where you insurance is through. ****
Yes. According to the Eno website, it is safe during pregnancy.
What if you are pregnant and do not have insurance?
I don't even know why your mother would even say that to you at a time like this. This is the time when you need her the most. she should be proud that you are willing to stand up to your responsibilities. Keep your head up. I haven't been through this personally but I have seen it first hand. Go to you're local Welfare department and see what they offer you. Don't take no for an answer. They have to give you medical insurance if not more else because you are bringing another life into the world. Don't worry, and don't stress over it because stress is no good for you developing child.
I just found out I was pregnant, & I don't have insurance either. All you have to do is go file for medicaid and let other American tax payers foot the bill for you and your baby. I went and filled out the apps. They give you some paper work to take to your doctor for your first couple of visits until you get your medicaid card. Everything is paid for except prescriptions. But when you get your card everything is taken care of. There is help out there. Good Luck!!!
If you are pregnant and do not have insurance you have the following options to choose from:
a) Use the Public System and let other tax payers foot the bill for your pregnancy
b) Pay for your medical checkups and treatments in cash
c) Consider joining a Health Insurance plan....your definitely going to need it especially after the baby is born. You think you'll have expenses now...wait until the baby gets sick, needs injections etc...
Try applying for Medicaid and let other peoples taxes pay the bill. They will even give you a temp. card thing so that you can get any medicines you need at that time, as well as go to doctors visits while they process your info into the system. The temp card should last from 30-45 days. And you should get a letter in the mail stating when your actual coverage begins.
