The most recent March of Dimes PeriStats data shows that 22.3% of women between the ages of 18-45 are uninsured, and that number increased over 12% from 2007 to 2009. Therefore, being pregnant without health insurance is not a rare situation, and has in fact become more commonplace. If you are a woman who is pregnant, no insurance coverage means that the full cost of the prenatal care and delivery costs will be billed to you, and those costs are $12,000 to $20,000, based on what part of the country you live in and the type of delivery you have. To prevent having to pay these costs, finding health insurance for pregnant women is important.
Fortunately there are options to get insurance for pregnant women no matter how much or how little your income is. The 2 options you should explore are your state Medicaid department, and then the Pre-Existing Condition Insurance Plan (PCIP).
The federal PCIP program provides affordable health insurance to people that have not been able to get health insurance, and is offered in all 50 states. This makes the PCIP a great solution for women that are pregnant without insurance. Ask an insurance broker for more information about your state PCIP program.
The PCIP California is priced at affordable prices and offers a rich set of benefits. This pre-existing condition insurance plan California provides a maximum out of pocket cost of $2500, a $1500 deductible, $24 office visit copays, and offers coverage for both generic and brand name prescriptions. The requirements to qualify for the California PCIP are that you have been uninsured for the last 6 months, and you’ve had an insurance application declined within the last 12 months. Therefore, if you are pregnant with no insurance in California, call a local insurance broker to see what the plan costs, how to enroll, to get a simple 4 page application, and enroll in the PCIP to provide protection for your baby and you.
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.
Visit SPF Insurance to learn more about the “California Maternity Health Insurance Plans Analyzed” article mentioned above.
If you are a woman who is pregnant without insurance, don’t worry because there are solutions that will provide maternity health insurance for you and the baby. Medicaid and PCIP will provide health insurance for pregnant women in California. Now go ahead and make the first call to determine which program is best for you. Start by calling you state Medicaid office, and then get information about the Pre-Existing Condition Insurance Plan California from an insurance broker near you.
SPF Insurance is your source for information if you are Pregnant no Insurance in California. The PCIP California plan could be the right fit for you.
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