| A woman naturally gets excited when she finds | | | | maternity is covered. This may be costly but well |
| out that she is pregnant. In many cases, this | | | | worth it.Some states have plans for pregnant |
| happiness is soon diminished when the financial | | | | women like Medi-cal in California. Federally |
| burden of having a child is realized. Thirteen | | | | sponsored programs like Medicaid also exist, but |
| percent of American women who become | | | | they are mostly for low-income groups.Another |
| pregnant have no maternity insurance coverage. | | | | option is MaternityCard. It is designed to provide |
| They face the risk of inadequate pre-natal care | | | | help to pregnant women and is well accepted. This |
| and must find their own resources for funding the | | | | covers a wide spectrum of maternity medical |
| cost. If the pregnancy is complicated, this adds to | | | | needs and less expensive than regular |
| the burden.Even those with insurance may find to | | | | insurance.Ideally, maternity coverage begins |
| their dismay that maternity is not covered. A | | | | immediately. There are some women that |
| costly add-on premium may be required. Some | | | | naturally get excited when they finds out that |
| insurers do not offer maternity coverage or | | | | they are pregnant. In many cases, this happiness |
| consider it a pre-existing health condition. This is | | | | is soon diminished when the financial burden of |
| illegal by Federal law, and there are several | | | | having a child is realized. Thirteen percent of |
| loopholes.There are many group insurance plans | | | | American women who become pregnant have no |
| that do provide maternity coverage as a service | | | | maternity insurance coverage. They face the risk |
| to members. There may be a waiting period of | | | | of inadequate pre-natal care and must find their |
| three months to one year before the clause | | | | own resources for funding the cost. If the |
| becomes effective. What happens if one | | | | pregnancy is complicated, this adds to the burden. |
| becomes pregnant during the waiting period? If | | | | There are some plansthat have a 30-day waiting |
| you are carrying COBRA (extended coverage | | | | period. Always study the package that is offered |
| from a previous employer), check to see if | | | | before accepting it. |