I have read a couple of the other womens questions with no maternity insurance, but they are a couple years old. My family has personal insurance with no maternity insurance, I know you can work out a plan with you docs and hospital, but has anyone heard of maternity advantage or have any other ideas?
I am in your same boat. So far it seems Medicade is the only option. There was a law passed that pregnant woman with no insurance options must be covered. I personally do not want to go that route if I don't have to. Could you let me know what you find out? My email is ____@____.com. I will also respond to this for you if I learn of anything new.
I am a licensed insurance agent and know for a fact that you will be unable to get insurance if you are currently pregnant. I offer a pregnancy benefit but not if a client is currently pregnant. My advice is to work with a quality OBGYN group on payment plan to cover you throughout your pregnancy. Hope this advice has been helpful.
Midwifery care is often a more affordable option when you're paying for care out of pocket. I had a homebirth with each of my kids, and IIRC it was about $3500 for everything. Plus I got to have my babies at home!
I'm in the same situation as you. We have insurance but it does not cover maternity. We have been trying to get medicaid but we are still not covered. Just a warning it's been 2 months since we started the process. They said it might take some time because they were getting so many people applying. So I decided to get a midwife. It's nice because she will deliver at the hospital and she was cheaper then a doctor. The first visit did cost $2,300 but most of it was the delivery fee. I don't know how much the hospital fee will be, but we are hoping to be covered by then.
I don't know your situation, but try applying for Medicaid. The first time I got pregnant, they came back at first and said we didn't qualify, but after some persitance on my part, they ended up covering me since I had no insurance. I know dr.'s will work out payment plans with you if you're paying cash. I don't know anything about the different maternity plans, so I don't know if it's a better deal than paying cash with the dr. and hospital or not. Congrats on the new baby!
i have been told by several friends to save $$ up first, talk to the Dr and Hospital and tell them you are on a cash alone basis w/o insurance. they will give you a good discount b/c they get $$ right away and don't have to wait for the insurance comp to give it to them! I was blessed enough to get on Medicaid but it DID take quite a while so good luck to you!
S.
