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Question of a Reader:

My wife is pregnant and we are wondering on how the pregnancy will be covered with health insurance. Thanks a lot.

Bud Dillingham

Thank you for this question.

It is much better to plan ahead to be able to make sure that your wife will be covered by a health insurance pregnancy. Try to get a health insurance before your wife gets pregnant. If you don’t have any insurance coverage for her at all, maybe you may get insured through a group plan. The new health plan that you are going to get does not have to be able to cover her pregnancy at once. You may be able to have her pregnancy covered maybe a couple of months after the offered coverage.

Research on the type of coverage her health plan has or even the prospective plan. Check on whether her plan will cover adoption, birth and pregnancy and the type of maternity, preventive and care for the baby the plan will provide. Potential employers should be asked if the health insurance offered will cover maternity. It is better for your wife to avoid going from one job to another if your wife is pregnant. It is possible to wait for a period of time for such maternity coverage if your wife begins a new job during her pregnancy.

It is best for your wife to apply for Medicaid if she is uninsured and the program’s requirements for the low-income should also be met. Get in touch with your state insurance department for further information on how to cover the pregnancy of your wife and inquire about other types of offered insurance plans that are low-cost.

A group health plan through present work or a professional group like the Catholic Charities or the Lutheran Social Service is best if one is personally uninsured and pregnant. Joining this kind of health plan is less expensive as compared with getting an individual insurance. They have available reduced cost prenatal services.

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