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Pregnancy and Health Insurance

In this age of women’s liberalisation it is very astounding to hear that every year more than 13% of pregnant women are not covered by health insurance policies according to the Pregnancy Association of America. These women apparently did not have a health insurance in place before they got pregnant and after pregnancy they were unable to secure one from several companies as they are high risk customers.

Due to this lack of medical coverage many of these women have inadequate pre- natal medical care or are forced to bear the entire cost of the pregnancy out their own pocket.

The reason behind not being able to get a health insurance after getting pregnant is that pregnancy along with diseases like cancer are considered to be a pre- existing medical condition or disease. By this definition anyone who has one of these pre- existing medical conditions is considered to be a high risk customer by insurance companies. By high risk they mean somebody who would not be able to secure a profitable name or income for the insurance company. They will require a lot more assistance and help with all the expenses of their various and numerous medical facilities.

The law supports the insurance companies and agrees to let them deny health insurance to any such high risk customer. In America there are options available to such women who do not possess any medical coverage at all. There is the discount programme known as AmeriPlan which offers a discount from the expenses through its network of hospitals. It can even get you an almost fifty percent discount in your pregnancy bills. Because it’s not an insurance company women can apply despite being already pregnant. Another such organisation is the reputed Medicaid; the only problem here is that it is necessary for you to fit into its income bracket.

If you do fit in somewhere in their specified bracket then they agree to help you with your pregnancy medical costs and expenditures, even if you are already pregnant when you decide apply for the coverage. The last but definitely not the least, is the extremely helpful company is the WIC also known as WomenHealth Fitness Articles, Infants and Children which is an excellent and very popular government sponsored organisation which caters to the needs of not only pregnant and uninsured women but also to other women and their infants and children below five.

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