Author: Alston Ballkcom
Family or individual dental and health cover plans that will pay for maternity medical care including prenatal visits and the hospital services can cost much more than similar policies that do not provide coverage for maternity-related medical expenses. You can pay thousands each year for these additional benefits. Your family can indeed have other places for these dollars if you don't plan to get pregnant soon.
It is expensive to buy pregancy insurance and not need it. It is expensive to need maternity benefits and not have coverage. An uncovered maternity can cost you well over ten thousand. It surely is critical that you make the right decisions. Making an error one way or the other may be costly.
Maternity insurance coverage: When should you include or drop pregnancy insurance coverage?
Ideally, you would be able to add maternity insurance benefits a month before you conceive and remove it immediately after your final visit with your midwife. Unfortunately, the issue of pre existing conditions and unplanned maternity may make the timing of changing to another dental and health insurance plan more difficult.
Be sure that you are aware of the waiting periods in the policy of any insurance contract you are considering. With some plans, you simply have to conceive after the effective date. This means that you can conceive immediately after your effective date. With other insurance contracts, you will need to wait a period of several months to conceive to have your pregnancy covered.
Maternity Plans and Pre existing Medical Conditions
A pre existing health condition might keep you from making changes to your policy. This means that if you have a medical issue at the time you decide to change to a policy that covers pregnancy, you may not be allowed to do so. It also means that if you are pregnant at that time, you may not be allowed to do so. If a family member is suffering with a condition, you may not be able to change your policy.
Even something as innocuous as bad sprain may keep you from adjusting your insurance policies until you have healed. Most private healthcare insurance carriers will want to wait until you have been released from care before they will offer you a policy.
This means that your plans to include or drop pregnancy insurance coverage may be thwarted by fate.
Strategy for Maternity Insurance
Most families do better when they purchase when they buy separate insurance plans. Often plans which will cover maternity-related expenses have other benefits which they will find unnecessary. Often the wife should get separate dental and health insurance contract than her husband and the rest of the family. Two insurance contracts will often be cheaper than one policy.
Larger families will often save when they purchase one medical care policy. Family size and the ages of the parents affect whether you will do better with one policy or two. A good personal medical insurance broker should be able to help you decide which option is best for you and your family.
There many families who have maternity coverage on their insurance plans after they have taken steps to make sure that they cannot conceive. Be sure to drop this pricey coverage when you no longer need it. Money that you spend on pregnancy insurance benefits after you have had your tubes tied is obviously wasted money.
Should you get Maternity Insurance Now?
Unfortunately, not knowing when or if you will conceive that is not planned and when or if you will develop a pre-existing condition which makes it difficult to purchase an underwritten health insurance policy makes that a tricky question. The article you are reading should make it easier to make a better choice. Without being sure of the future, making the determination with absolute certainty is not possible.
Alston J. Balkcom has been an insurance agent for over 20 years. His sites can help you find Texas Maternity Health Insurance. He also writes about various insurance topics including No Deductible health insurance on his blog.
Article Source: ArticlesBase.com - Making the Right Decision about Health & Maternity Insurance
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