Information on Pregnancy
and Maternity in the US
Save on your US Medical Expenses
Summary - This information is for both US and non US citizens. If you are pregnant or planning to have a child in the US then it is important to understand how the pre-natal care, birth and healthcare for the Mother and child can be handled. If you are not covered with health insurance that covers pregnancy, have health insurance at all or can be covered by a government program such as Medicaid or a state high risk pool that covers pregnancy then we can help by significantly reducing your cost. Please read the information below and ask any questions you like.
Handling Pregnancy and Maternity in the US
Congratulations on your decision to have a baby. It is important that you are able to receive pre-natal healthcare and not be stressed about the costs of the birth. A normal no issues birth costs about $6000 not including pre-natal care. Complications such as a cesarean or premature will make the cost very much higher. Hopefully that does not happen but it can and that does not have to be a stressful issue.
The best way to take care of this is to be on a US employer sponsored health insurance plan. All US employer group health insurance plans cover maternity. Maternity benefits are not subject to any waiting period or pre-existing condition exclusions even if the person is already pregnant when she enrolls.
It is not necessary for both parents to be on an employer health insurance plan. If the wife is working where the employees are offered the employer group health insurance, then she should be enrolled on the insurance. If she is not enrolled then she should enroll during the open enrollment period for the insurance. You need to find out when that is and be sure to enroll. You only need to enroll yourself.
If the wife is not employed, her employer does not offer health insurance or she is not eligible for the employer group health insurance then she needs to check if the husbandís employer offers group health insurance. This will be more expensive as the husband and the wife will have to be on the insurance. The husband would be on as the employee and the wife as the spouse.
Medicaid is an option for pregnant women that are US citizens or permanent residents. Qualifying for Medicaid is based on family income. For a pregnant woman the household income must be less than 185% of the Federal Poverty Level. A pregnant woman is counted as two persons when checking eligibility. For example if the woman is married than with no other children than the qualifying level would be based on the Federal Poverty Level for a three person family.
Maternity coverage is in general not offered on US domestic individual health insurance plans or the benefits are limited. Once you are pregnant then there are no individual health insurance plans available. States have high risk pools but those plans may or may not cover maternity or pregnancy. If you are a Florida resident as a US citizen of otherwise legally in the US then I may be able to help you with the Florida High Risk Pool plans. You can find out some more about that by clicking on Florida High Risk Pool Plans
Permanent international health insurance plans often include maternity benefits. International health insurance is available to US citizens that live, work, study or are otherwise outside of the US more than 6 months of the year. International health insurance plans are available to non-US citizens worldwide including the US as long as they do not qualify for domestic US health insurance plans. Permanent international health insurance can be worldwide coverage and include the US. The maternity benefits of these plans start after the plan has been in effect for 12 months. Plans are not approved if applied for while the person is pregnant. Underwriting is similar to US domestic individual health insurance plans. It is important to plan ahead as after a person is pregnant it is too late.
If you are considering having a family or having more children, then now is the time to make sure your pregnancy and the birth will be a happy family experience. For you to know that you can focus on the health of the mother and the child and not have financial issues creating stress takes planning and taking action in advance.
For non US Citizen Residents and US Citizens Citizens or Residents that do not have insurance, Medicaid or state high risk pool.
Medical Discounts Direct is a medical referral service so each situation is evaluated individually. They only work with board certified surgeons and accredited facilities, which includes hospitals and/or outpatient surgery centers.
Process for your
Medical services is that you submit a Patient Confidential Medical History Form.
That will be emailed when your request is received. You make a request
from either the
Information button or
firstname.lastname@example.org. The form is then submitted to doctors
and medical providers that fit your needs. Your situation is evaluated by the
providers and a Global rate is determined. You will receive that information.
Neither Medical Discounts Direct not Econolabs are a discount card, insurance plan or program, government program, Preferred Provider Network or association. They are Medical Referral Services that have much better rates because of the volume of business they refer to the Medical Providers. There is no cost or obligation to check out your situation to see if it works for you.
It is important to note that medical discount programs are not insurance plans. Medical Discounts Direct and Econolabs help people with no insurance or high deductibles obtain lower cost medical procedures and lab tests. Prices for services are negotiated and the price quoted includes a referral fee. These are referral programs to medical providers and due to the volume of referrals they can get you lower rates.
This is available to anyone both US and non US citizens. For immediate details click on the button Medical Discounts and for labs click Save On Lab Tests here or in Contents on the left.
Please be aware that your information including contact numbers or email addresses and all personal information is kept absolutely confidential and complies with the HIPAA privacy act.