Posted: Wed Jun 20, 2007 7:28 am Post subject: CO Pregnancy!!
Hi all!
I've recently been diagnosed with pregnancy! Isn't that a good news!!!
But yeah theres nothing covering me up till now...any suggestions ???
Bye for now...not forever!
Misty, Aspen Ave, CO _________________ Register Now to have your Insurance queries solved.
Congratulations!
I wish you all the happiness of motherhood. And yeah, you should consider having health insurance. Most of the insurance companies do consider pregnancy as a preexisting condition. Therefore, you may have problems obtaining health insurance. You can check out Medicaid. It accepts women who are already pregnant. Take care
Wow! That's great. There are companies who do not consider pregnancy as preexisting condition. There you may not have any problem in getting yourself insured. Ask some of the leading insurance companies in your state. You will get a better view.
Pregnancy insurance covers both pre natal and post natal expenses. If you do not qualify for the state sponsored Medicare, there is FAMIS to cover you up.
Congratulations! I suggest you to definitely opt for a health insurance. Many companies offer insurance for the pregnant women. You can also consult an insurance advisor. _________________ Register Now to have your Insurance queries solved.
There are many health discount programs available.
MaternityCard : You will get upto 60% of discount on doctors' visits, hospital stay, sonogram, labwork and etc etc. You can receive this benefit even after knowing your pregnancy.
AmeriPlan : It is not available in Alaska but it is available in all the states of the US. You will get upto 50% discount on doctors' visits, hospitals, tests, lab works, x-rays n so on.
cyrus _________________ I am and always will be a sinner. But that's the beautiful thing about Jesus. I'll always try to be a better person in the eyes of God. But I'm not all of a sudden stepping up on a pedestal and saying I'm holier than thou, 'cause I'm not!
While many of these posts contain info on your situation, they didn't address some of the main points. For instance:
While pregnancy may not be considered a pre-existing condition and eligible for coverage immediately, I don't know of any insurance companies that will actually ISSUE you a policy if you are pregnant. That's asking the insurer to fork out thousands of dollars (in a normal, healthy pregnancy) or perhaps hundreds of thousands if there are problems with the pregnancy in exchange for a few months of premium
The state programs are not Medicare (that's federal), but Medicaid. They have nothing to do with pre-existing conditions...Medicaid programs are for low-income individuals. Most states allow pregnant women (normally under age 19) to qualify at much higher income levels compared to those who are not pregnant.
All states, including Colorado, have medical programs for those who cannot obtain insurance through normal channels. In Colorado, it's the CoverColorado program, and you may find it over here:
covercolorado.org/Pages/default.aspx
Definitely find SOME sort of coverage, regardless of whether it is insurance or state-funded...but get something in place right away.
Pregnancy is a wondeful time of your life - but it is not without risk. You don't want to go into this without coverage. Even a normal, low-risk pregnancy can cost you thousands without medical coverage.
Your pregnancy is most likely completely healthy and normal - but not all are that way.
My own high-risk pregnancy and the subsequent surgeries afterwards wound up maxing out my own medical coverage through my job, and I had to go on Medicaid through the state to obtain coverage. I had to swallow my pride (I had a good job and never considered that I might have to apply for aid through the state), sit down with a social worker and let them go over my finances with a fine-tooth comb in order to get the coverage. But it was worth it. My total bills (and those for the baby) were well over $500,000. But keep in mind, this was for a very complicated pregnancy, and 3 surgeries afterwards.
My son and I are completely healthy now - but that was a rough patch!
You should qualify for medicaid as mentioned above, do you currently have any coverage at all, you should be doing all the prenatal appointments and getting all the advice from the doctors that will help you have a healthy successful pregnancy and delivery.
I would say call or visit an obstitrician or clinic and ask them what is available in your area, alot of times they will know and have the application right there on site or can give you the proper guidance on where to go.
Congratulations on your good news, keep yourself healthy and the baby will benefit, eat the right foods, stay active and don't smoke or drink alcohol. Hope you have a healthy baby and a joyous pregnancy. Keep us updated.
I was pregnant and had no insurance either.My huisband was self employed at the time and we could not afford the insurance. I went to the the local cabinet for the welfare of children .They will help you if you have no insurance, they did me.
