The cost of any type of medical care can be expensive. If you have ever looked at your medical bill after a procedure, even a visit to the emergency room, you will find that the simplest of medical care can cost hundreds of dollars. For those with medical insurance, it can be a lifesaver when it comes to out-of-pocket costs. For those who do not have medical insurance, it can cause a stressful situation at the home, as the bills can pile, and the debt incurred can be very costly. When you are pregnant, the scare can be even worse, as it can be one of the most expensive medical care procedures available to patients. So what can you do if you're denied medical insurance and you are pregnant?
There are a few steps you should take to ensure that you have made all efforts to find insurance during your pregnancy.
Keep in mind that you cannot be denied health insurance when starting a new job if your company offers health benefits just because you are pregnant.
If you are recently out of work, your company may offer COBRA insurance. It will cover you for 18 months, and may require you to still pay the full premium cost. It can be a pricey option, but still less expensive than going without insurance altogether.
If your income meets the necessary requirements, you may be able to apply for Medicaid. They offer health insurance to pregnant women, children, disabled and blind adults, and people over the age of 65. It's advised that you contact your state health department to find out about qualifications.
If you do not qualify for Medicaid, contact your state health department for other programs that may be available to you. There are many low-cost pre-natal programs that may offer maternity services and a lesser rate.
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