Many Americans are concerned about the high cost of maternity benefits if they lack health insurance, of if their health insurance does not cover routine prenatal care. Almost 50 million people in the US have no health plan at all. Others are covered, but the coverage does not include the normal costs of having a baby. This can be a big strain on many growing families.
After you lose the job, you may eagerly to hunt for a new job instead of caring the health insurance. As you are still young and healthy, you can still live a peaceful life without the insurance. However, the expensive medical costs will let you go bankrupt if you get ill one day. So a new job and health insurance are of the same importance.
Many people are combining catastrophic health insurance coverage with HSA plans. The plans, known as Health Savings Accounts, allow you to save up to $3,050 in pre-tax dollars as an individual or double this amount as a family much like pre-tax money you would contribute to a 401(k). These savings can then be used to pay the medical bills you incur up to your deductible.
The state high risk health pool may or may not help. Under some circumstances, it could cover your pregnancy, but under others it could consider pregnancy a pre-existing condition and enforce long waiting period. You will have to look for information on the high risk health pool in your state. There is also a new federal high risk health pool.
If you don’t use the money in your medical savings account, you roll it into the next year. It grows tax-free as long as you only use it for health related expenses. This doesn’t include buying a television, regardless of whether you watch Doctor Oz or not. As the money in your medical savings account builds, you can lower your deductible, saving even more money.
Even if you, or your spouse, is already pregnant, it may still be possible to get a job with health benefits that will cover the costs. This may not be easy, and even if you can secure a job right away, some employers have a waiting period before Health Insurance goes into affect. However, group health plans cannot consider pregnancy a pre-existing condition. Note that this is not true of individual expat health insurance thailand, and you will not get accepted if you are already pregnant.
For step six, analyze the potential of an indemnity plan. Sometimes, you can save by selecting an indemnity plan. If you go to doctors frequently, you might find that paying the deductible is far better than the constant co-pays you’ll have all year. By paying the deductible up front, such as in an indemnity plan, it only hurts your pocketbook for a while and then gets better by the end of the year.
How much freedom are you getting – more freedom means higher premium. Find out what kind of services you need. Do you want privacy and convenience? Do you want to be treated in a private ward? The more flexibility you get, the more you will be paying.