Health insurance for pregnancy are run to protect a pregnant with her baby. You must think seriously, especially when you live with imaginations of a charming baby. Keep in mind, what may come at next moment, none can guess. Due to many confusions and big variety, it's a tough task to find out the best. Ask to your employer about the pregnancy related disability leave and the benefits you can claim for. It is not necessary for the employers to offer you any pregnancy leave or any specific benefit.
Some points about pregnancy insurance:
1. Pregnancy is not a pre-existing condition to the woman, who searches for second job, if she is already covered by first coverage.
2. If have no coverage offered by your employers, better to have an insurance policy to obtain this type of coverage. One should be clear enough at starting, when he is offered with an appointment letter.
3. HIPPA does not interfere in the coverage offered by individual health insurance policy. If you are not offered the pregnancy coverage, do not look for its help.
4. Married employees are not limited for benefits offered to pregnancy cases.
5. You are just like others, who ask for leave due to temporarily disabilities. One must behave normally and offer you same benefits.
6. If your employer offers you health insurance with maternity services, it must include all the pregnancy-expenses.
Except these some employers call you for up to a month, after you claim for offered services. Make sure completely, with your current employer or the company you are going to join, about the program and its features.
What to do if you do not have health insurance:
1. Go to your local DHS (department of health and human services) office. You should be able to find a listing in the government pages of your phone book. If not, search for DHS in your state online and it should bring up a website. You will have to prove income and identity to qualify for aid.
2. Go to your local hospital and talk with someone about payment plans or insurance plans that they recommend. Most places understand about this since it does happen often and they are very knowledgeable when it comes to this topic.
3. Go to your DSS (Department of Social Services). Usually someone there can point you in the right direction.
4. If you live in CA, there is a program called Access for Infants and Mothers (AIM). It's for uninsured pregnant women whose income is too much to qualify for medical. Your application has to be in by 28-30 weeks of your pregnancy and the cost is based on your income, but it covers absolutely everything.