FRIDAY, OCTOBER 21, 2016
Prenatal HealthCare – Medical insurance during pregnancy
Health insurance (also called health coverage or health plan) helps you pay for medical care.
Health insurance is really important for you, especially if you are pregnant.
What obgyn in centreville health services are covered for the pregnant woman?
The Affordable Care Act (ACA) says that all health insurance plans must cover many services for pregnant women, including:
- All prenatal care visits without a co-payment . Prenatal care is medical care during pregnancy. No copayment means you should not pay your health care provider each time you have an antenatal checkup. You can see your prenatal care professional without a referral from your primary care physician (who provides you with basic health services). You do not have to first visit your primary care doctor to see a prenatal care professional, such as an obstetrician / gynecologist (also called OB / GYN), a nurse midwife, or a nurse practitioner.
- Service delivery
- Assistance with breastfeeding without co-payment. This includes visits to the breastfeeding consultant, breastfeeding teams and breast pumps . The breastfeeding consultant is someone with special training to help breastfeeding women.
The ACA says that health insurance plans must cover these services for everyone, including pregnant women:
- Routine Health Checkups
- Check when you are sick
- Hospital Care
- Emergency services
The ACA says that a plan can not:
- Terminate Your Health Insurance If You Get Sick
- Charge you more for health services because you are a woman
- Charge you more for health care if you have had a medical problem in the past
- Set a lifetime or annual cap on the coverage. That means that an insurance company can not stop covering their medical expenses once they reach a certain amount of money. That also applies to your partner.
- Make you pay unlimited out-of- pocket costs . Insurance plans should set annual limits on what you pay for your own health care. Once you have reached that limit, the company must pay your expenses for the rest of the year.
If you are pregnant, how do you know which health insurance to choose?
When you choose a health plan , review the plan summary. Each plan has a summary that includes the expected costs of care during pregnancy. Each plan uses the same summary form, making it easy to compare costs and services. You can find summaries of plans in the Medical Insurance Market. It is an online resource that helps you find and compare health plans in your state.
Can you be pregnant when you join a health plan?
Yes. You may be pregnant when you enroll in health insurance. In that case, pregnancy is called a “pre-existing condition”. That means you had the condition (I was pregnant) before enrolling in health insurance. The ACA says that health insurance companies can not deny coverage or charge you more money to treat a pre-existing condition.
What if you need help paying for health insurance?
In most states, many pregnant women can get Medicaid coverage. Medicaid is a government program that offers free or low-cost health insurance for low-income people. In some states, pregnant women earning too much for Medicaid can receive health coverage with the Children ‘s Health Insurance Program (also called CHIP). CHIP is a government program that provides health insurance for some children and pregnant women from families who earn too much to have Medicaid but who can not afford private insurance.
Although you can not get Medicaid, you may be able to get tax credits that help pay for insurance through your state’s Medical Insurance Market. You can get information about health plans and costs for pregnant women in your state’s Medical Insurance Market . Be sure to mention that you are pregnant at the Market Request for information about the pregnancy.