The number of un-insured women has increased by 12.8% between 2007 and 2009, and over 22% of women in their child bearing years are uninsured, according to the March of Dimes PeriStats database. The number of women who are pregnant without health insurance is growing. 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. These costs make getting health insurance for pregnant women a priority.
No matter what your income level is, there are ways to get insurance for pregnant women. The first option is to look at the state Medicaid option, and then the 2nd option, the Pre-Existing Condition Insurance Plan (PCIP).
The PCIP is offered in all 50 states, and this federal program provides affordable health insurance to people that have been unable to get medical insurance. This makes the PCIP a great solution for women that are pregnant without insurance. Check with a good insurance broker in your state to get detailed information about this program.
The PCIP California offers a robust set of benefits at attractive prices. The pre-existing condition insurance plan California offers $25 office visit copays, a $1500 deductible, a $2500 maximum out of pocket limit, and provides both generic and brand name prescription benefits. 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 past 12 months. For more information about the cost of the program, how to enroll, and how to get the simple application, women that are pregnant with no insurance in California should contact an insurance broker so they can protect themselves and their baby.
When I compared the PCIP to other pregnancy insurance plans, I found that the PCIP is surprisingly the 3rd best maternity insurance California plan. The best plan for pregnancy health insurance is the Kaiser Permanente 0/1500 HSA plan with a total out of pocket (TOOP) cost of $4854, the second best plan, with a TOOP of $5064 is the Kaiser $50 Copay, barely ahead of the PCIP plan 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.
To learn more details about the California Maternity Health Insurance plan Analysis, visit SPF Insurance.
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. Between Medicaid and the PCIP, there is a solution that 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. Call your state Medicaid office today, then call an insurance broker to get information about your state pre-existing condition insurance plan California.