What If I am Pregnant and Don't Have Health Insurance?
If you are pregnant, and don't have health insurance you shouldn't get too discouraged because there are other options that are available to you. Even though this is not the best situation to be in, you can recover from it and make the most of it if you just know how to go about it.
One thing that may allow you to feel somewhat better is the fact that there is no insurance carrier that will pay all of your maternity expenses. So, even though a huge number of people have coverage, it's not entirely enough.
There are some suggestions that you may want to consider if you're pregnant and do not have health insurance. Many ways can really help you recover from this unfortunate situation if you just know what they may be.
Listed below are some things that can help you in the event you are pregnant without health insurance:
- Use an advocacy service: You can find a service that will be able to help you by negotiating with the doctors as well as the hospitals. If you use this service they can help you significantly by allowing you to possibly get reduced medical rates. They even offer an 800 number for you to call and talk to someone that can give you the help you need.
- Negotiate with the hospital yourself: Many women that are having babies without the aid of health insurance may discuss this with their doctor. Many times the doctors they have can be of immense service by providing them with some low costs facilities or even getting rates reduced at the hospital they intend to visit. This is an option man women choose because it allows them to have a hands on experience that only they have control of.
- Hospital supplement plans: Having a hospital supplement plan can allow you to purchase a plan that can significantly reduce the cost of your medical bills if you're pregnant without coverage.
If you apply any or all of the suggestions above, you can significantly reduce your maternity expenses. It can really add up in a short period of time, the amount of money you may save by negotiating for yourself. Many hospitals will take this into consideration, as well as doctors and try to work with mothers that are in this bad predicament.
So, don't lose heart, help is just a phone call away. You may decide to enlist the help of others to assist you with this huge problem, or you may be your own best defense. It's entirely up to you and how you feel may best benefit you in the long run. Either way you can rest assured that doing something rather than nothing will be your best option in the unfortunate event you're in this position. It's good to know at least there are some options available to you if you need them and you won't have to constantly struggle with this in addition to carrying a child.
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