AmeriPlan benefits for Pregnant Women
Over 41 million Americans are uninsured, and many of those who are insured are underinsured. As a result, there are approximately 13% of women who become pregnant each year who are not insured, which often results in inadequate prenatal care.
Another challenge uninsured pregnant women face is that some insurance plans consider pregnancy a pre-existing condition. Medicaid, a federal funded program for low income persons, will accept women who are already pregnant. However if you are not eligible to receive Medicaid, it can still be a challenge to pay for all the prenatal visits and delivery. The estimated cost of delivery alone is $6,000 – $8,000 for a normal pregnancy, and the cost increases if it is a high risk pregnancy.
This is the crisis that many pregnant women find themselves facing when they learn that they are pregnant. The excitement of being pregnant is quickly dissolved by the worry and anxiety of financial burden.
If you already have an insurance plan that you purchased yourself, you will want to determine if the plan is grandfathered. Grandfathered plans are insurance plans that were in place on March 23, 2010 and have not been significantly changed.
Not all grandfathered plans are required to offer maternity and childbirth benefits, so if you have a grandfathered plan, make sure to contact your insurance company to find out your benefits. You can also get more information about grandfathered health insurance plans here.
If you do not have insurance through the Marketplace (www.healthcare.gov) or an employer, you may consider applying for Medicaid or CHIP (Children’s Health Insurance Program). These programs offer maternity and childbirth benefits. Income qualifications vary by state.
Government Funded Programs
Medicaid and CHIP are state run programs that are federally funded. They provide medical assistance for low-income families and individuals. To locate an office near you go to Centers for Medicare & Medicaid Services. Click here for more information on Medicaid & CHIP to see if you qualify.
You may find that there are other options, depending on your state, which provide additional programs for women who are pregnant such as Medi-cal from the state of California. You can check with your local department of health at Health Departments by State for information on local programs that may further assist you.
WIC is a federal agency that serves to safeguard the health of low-income women, infants and children under the age of 5. WIC provides nutritious foods to supplement diets, information on healthy eating, and referrals to health care. To get more information you can go to Women, Infants and Children.
Healthcare Discount Programs for Maternity Coverage
AmeriPlan is a discount plan that is currently available in all states except Alaska, Montana, and Vermont. AmeriPlan saves people up to 50% and more on their healthcare services. Benefits include physician, hospital, and ancillary services (i.e., lab work, tests, x-rays). Since AmeriPlan is not insurance, all pre-existing conditions are covered (except orthodontic treatment in progress), there are no deductibles, no waiting periods, no claim forms, and no annual limits. For more information on this discount program you can go to savewithhealthcare.com or call +1-817-841-1427.
Advantages of having AmeriPlan
Discounts and benefits of the maternity card program include:
- Doctor Visits
- Hospital Stays
- Lab Work
- Pre Natal Vitamins
- Prescription Coverage
- Newborn Tests and Checkups
- 24 Hour Counseling
- 24 Hour Nurse Hotline
What Other Benefits Does the Ameriplan program provide?
Ameriplan is a program that focuses on delivering a variety of healthcare service at affordable prices.
In addition to maternity care you receive through the Ameriplan physician network, you will also receive these benefits:
- Hearing Care
- Dental Care
- Vision Care
- Prescription or Pharmacy Care
- Chiropractic Care
Ameriplan is design to be a no hassle program that allows you to get the care you need at the time you need the care.
- No paperwork to complete
- no restrictions on age or how many visits you are allowed to make
- All on-going dental/medical problems are accepted
- Monthly fees are guaranteed for two years
When you sign up for the AmeriPlan Health Program for a low monthly fee of just $39.95, you will have access to an array of prenatal and maternity care services. This is NOT insurance. The Health program provides discount services for almost everything related to your prenatal and maternity healthcare. AmeriPlan will provide you with discounts from certain healthcare providers for medical services. The plan does not make payments directly to the providers of medical services. You pay for your healthcare services. Your negotiated discount rates will be up to a 60% discount; up to 100% discount of the hospital bill. Once your child is born, your health program will also include your new baby to assist with physician checkups, immunizations and illnesses if needed. There are several services for pregnant women who need maternity services.
WHO QUALIFIES AND WHO CAN USE THESE SERVICES?
Anyone can qualify. There is no issues with on-going medical conditions. You may be a candidate if you have any of the conditions below:
- Already pregnant, no insurance
- Insured, with no maternity coverage
- Insured, but deductible too high
- Anyone who is having a baby and would like to pay less
- Insured, but co-pay is too high