Between 2007 and 2009 the number of uninsured women increased by 12.8%, and the March of Dimes PeriStats database shows that 22.3% of women in their child bearing years are uninsured. So it’s not uncommon to be pregnant without health insurance in the US, and the situation has been getting worse each year. For women who are pregnant, no insurance means they have to bear the full cost of prenatal care and delivery, which can total $12,000 to $20,000 depending upon where you live and the
type of delivery you have. These costs make getting health insurance for pregnant women a priority.
No matter what your income level is, there are ways to get insurance for pregnant women. The 2 options to look into are your state Medicaid programs, and then the Pre-Existing Condition Insurance Plan (PCIP).
The PCIP is offered in all 50 states, and this federal program provides affordable health insurance to people that have been unable to get medical insurance. For women that are pregnant without insurance, the PCIP can be a just what you need.
The best news about the California PCIP is that it offers a rich set of benefits at affordable prices. The pre-existing condition insurance plan California has a $1500 deductible, $25 office visit copays, both generic and brand name prescription coverage, and a maximum $2500 out of pocket limit. To qualify for the PCIP California plan you need to have been declined by an insurance company within the last 12 months, and be uninsured for 6 months. For more information about the cost of the program, how to enroll, and how to get the simple application, women that are pregnant with no insurance in California should visit the PCIP California page so they can protect themselves and their baby.
Comparing the PCIP to other Maternity Health Insurance plans, shows the PCIP is the 3rd best maternity insurance plan in California. The best pregnancy health insurance plan is the Kaiser Permanente 0/1500 HSA plan with a total out of pocket (TOOP) cost of $4854, the 2nd best plan is the Kaiser $50 Copay plan with a TOOP of $5064, and the PCIP is 3rd with a TOOP of $5068. The best plan from the other 3 companies that offer maternity insurance plans is the Anthem Blue Cross Select HMO plan with a TOOP of $7570.
Visit “California Maternity Health Insurance Plans Analyzed” to learn more about the analysis mentioned above.
There is no reason to worry about getting pregnancy health insurance if you are pregnant without insurance. Medicaid and PCIP can provide the solution to get health insurance for pregnant women in California. Go ahead and get started today figuring out what plan is best for you. Call the state Medicaid office, and then get information about your state Pre-Existing Condition Insurance Plan California.