Maternity Insurance For Pregnant Women without Coverage -
Are you one of the many women who “accidentally” got pregnant and found themselves without maternity insurance? Or maybe you just didn’t have any medical coverage at all when you found out you were expecting…
No matter what the circumstance, once you are diagnosed with pregnancy, no insurance plan will touch you, at least not with a maternity plan… So, you’re basically SOL!
Or, so I thought when we found out we were expecting to our very stupefied surprise! I mean, I am 41 and never thought that anything would come out from my five-minute delusional idea that we should have a second child.
I hear horror stories of women in their late 30′s or early 40s trying for months to get pregnant, often with no results…. But, oh, no, not us! In the blink of an eye, there we were with another baby on the way, totally unprepared, no maternity coverage, and no idea what to do about it.
So, I did something I am usually good at — I dove into my computer and did some research! And this is what I found:
There is a maternity insurance offered through a plan called Pre-Existing Condition Insurance Plan, which is a new option that was implemented by the Affordable Care Act. It’s from the government, but it is like a private insurance, which you pay monthly, just like you would any other insurance.
To qualify, you must have a pre-existing condition, which in this case is pregnancy, of course, and have been without health coverage for at least 6 months, no matter what your income is.
So, the best way to get approved for PCIP coverage, as I found from personal experience, is to apply after you obtain a letter from any insurance company stating that you’re denied coverage because of your pregnancy condition.
The best way to do this is by applying for any regular insurance (Cigna, AvMed, United Healthcare, etc… and you can even do this online) and be sure to let them know you are pregnant. You should soon get a letter telling you that you’ve been denied because of the pregnancy.
Then, you send a copy of this letter together with your application (plus proof of residency or US citizenship – passport, birth certificate, etc…) to the PCIP address – which is provided on the website application page- and you should be approved within a few weeks.
You can apply online by filling out a very short and easy application at this url: https://www.pcip.gov/How_to_Apply.html. Once approved, you just send in a check for your first month’s premium, which is about $200 – $300, depending on your age and what state you live in. (You’ll get a letter letting you know you’ve been approved along with instructions on where to send your payment and how much it is.)
Unfortunately, some states don’t offer PCIP yet, but there are other options you can explore on the website. Of course, if you have very minimal income, you may qualify for Medicaid, something you can also look into on the PCIP website. - they have information on all your options if you can’t get into the PCIP plan.
Go to PCIP.gov for more info on all your options and to apply. The coverage is pretty similar to what regular insurance covers as far as doctor visits, meds and hospital stays.