Getting Health Insurance During Pregnancy

Nevada Insurance Enrollment Explains Health Insurance While Expecting A New Baby

LAS VEGAS - nvtip -- In Nevada, a normal birth without complications costs nearly $22,000 on average, and a C-section can cost more! For those who do not have health insurance, you will have medical bills for years, unless you are wealthy with a bunch of money in your savings account. Once you factor in prenatal and postnatal care, out-of-pocket costs soar to $30,000 or higher with complications. Nevada costs more than 40% of the national average, so we aren't a bargain state. Be prepared to pay a lot for a non-complicated natural birth, and much more for anything complicated.

For many women, pregnancy and childbirth are among the most expensive health care costs that they will face in their lifetimes, and without adequate health insurance coverage, they can end up with tens of thousands and years and years paying off medical debt. Fortunately, if you are pregnant and you do not have health insurance, there may be ways that you can get the coverage that you need.

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Pregnancy and the Affordable Care Act
The Affordable Care Act guarantees 10 essential health benefits to individuals with major medical insurance. Among these benefits is maternity care, meaning that all health insurance plans purchased through employers or on the Marketplace cover medical care during pregnancy, childbirth and postnatal care.

Prior to ACA, many plans in the individual marketplace did not cover pregnancy for new enrollees. Also health insurance company's would deny coverage to women who were already pregnant by a method called "underwriting". If a woman became pregnant, many plans did not cover anything maternity. Underwriting is now mostly a thing of the past for health insurance. Underwriting is where a person would look at your height and weight and medications and health pre-existing conditions, and if you were too high of a "risk", you would be denied insurance coverage. Sometimes they would "exclude" your preexisting medical condition for a year, sometimes for a lifetime, it just depended on the insurance company.

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Nevada Insurance Enrollment
4260 W. Craig Road suite #150-A
North Las Vegas, NV 89032
(702) 898-0554

Nevada Insurance Enrollment
Shelly Rogers

Source: Nevada Insurance Enrollment

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