Free Health Insurance for Pregnant Mothers

If you are pregnant and do not have health insurance, you may feel vulnerable and overwhelmed. While an individual health insurance plan that covers coverage of labor is available through the exchange of Affordable Care Act health insurance, you can only register in the plan during open registration or during a special registration period triggered by a qualifying event.

If you become pregnant during an open registration, you can register for a program that will be effective in the coming year. All new plans are required to have pregnancy benefits under the ACA, and pre-existing conditions – including pregnancy – are no longer an obstacle.

But if you find yourself uninsured and pregnant early in the year, after open registration has ended but months before the open registration starts next year, certain circumstances can give you another opportunity to register.

Although some pregnant women may qualify for a special registration period due to a qualifying event, the pregnancy itself is not a qualifying event. But there are exceptions in New York, and that will also happen in Connecticut starting in 2019.

Hill-Burton Facility

As of June 2018, there are 136 hospitals and national health clinics that are required to provide free or low-cost care because they receive grants or loans based on the Hill-Burton Act. Go to the admission office of one of these facilities and let them know that you want to apply for free treatment or a reduction in Hill-Burton fees. You must meet the requirements of low income, but you don’t have to be a US citizen.

This facility is only required to spend a certain amount of money each year on Hill-Burton care, so you must use their services before the year’s money is lost. This includes hospital fees, but doctors do not have to pay because it is not maternity insurance; it is a type of charity care.

Charity Care Organization

Organizations such as Catholic Charities and Lutheran Services offer programs to assist women in the care of pregnancy. Services vary by location. Basic services include counseling and referrals. However, some locations provide services as large as maternity homes that provide free maternity care, postpartum care, childcare classes, and rooms and lodgings. At the very least, they will teach you about what resources are available in your area.

source: www.verywellhealth.com

Apple Health for Pregnant Women (Medicaid)

Apple Health for Pregnant Women, also known as Medicaid Pregnancy provides free health insurance, Maternity Support Services (MSS), Infant Case Management (ICM), Childbirth Education (CBE) and many other services. More information about each of these services is on this page. For women who qualify, medical services are available during pregnancy and for two months after your pregnancy ends: all medical treatments, including prenatal care, labor and post-pregnancy follow-up by medical providers, comprehensive dental care, and some vision care. And one year of full medical care for your newborn baby. Transportation to and from all medical appointments and interpreter services is also available. For further details, especially if you are pregnant and under the age of 21, please contact the Family Health Hotline at 1-800-322-2588.

Use our Benefit Finder to see if you qualify.

Maternity Support Services (MSS)

Maternity Support Services, also called SPM, are available for women who meet the conditions at any time during pregnancy and continue 2 months after the pregnancy ends. MSS is offered in addition to medical and prenatal care. Services are provided by a team consisting of public health nurses, nutritionists, counselors and community health workers. All clients are examined for possible risk factors for pregnancy. After the screening is complete, the MSS team creates a personalized maintenance plan for each client. All clients receive advice about healthy pregnancies, care information and, if necessary, will be helped to connect with other community services.

Some topics that might be discussed during SPM visits are: ways to look after yourself and your family, information and support about pregnancy, how to feed and care for newborns, how to eat healthily on a limited budget, understand family planning and contraception options and many again. MSS appointments can be held in your home, office or other safe place.

Baby Case Management (ICM)

Baby Case Management, also called ICM, is available for eligible babies and their parents from a 3-month-old baby to his first birthday. The Baby Case Manager will provide you with information, and if needed, assistance to access medical, social, educational and other services for you and your baby. ICM includes: home and office visits, screening, referrals and advocacy. Transportation to and from all ICM appointments is available and interpreter services are also available.

Childbirth Education Class (CBE)

Pregnant women who meet the requirements and those who support them can attend group labor education classes (CBE) for free when classes are taught by DSHS-approved CBE educators. CBE usually starts during the 3rd trimester and the topics include: how to have a healthy pregnancy, pregnancy warning signs, preparation for breastfeeding, developing your own birth plan, what to expect during labor and delivery, newborn care and life in House. Transportation to and from all CBE appointments is available and interpreter services are also available. To find childbirth classes in your area, contact the Family Health Hotline at 1-800-322-2588.

Additional Medicaid Pregnancy Services

After 2 months after pregnancy, women receive a Medical ID card for family planning and / or family planning. The coverage of family planning will continue for 10 months after the medical treatment and other First Step SPM ends. Women who qualify with Medicaid access alcohol and drug assessments, as well as care services. You may qualify even if you work, in the military, single parents, or live with your parents. This program is available for pregnant women both citizens and non-citizens and for newborns up to one year of age. Pregnant and caring women are the priority population for this service through the Division of Health and Behavior Recovery. For more information about this service, contact 360-725-3740.

source: www.parenthelp123.org

Where to Buy Individual Health Insurance

The Affordable Care Act significantly changes the availability, costs and benefits of individual health insurance plans. The law guarantees access to comprehensive and affordable packages without discrimination against you for existing health conditions. If you are ready to enter the individual market, you have four options for choosing a package.

Individual Insurance Exchange (Market)
Insurance company
Health Insurance Agent / Broker
Web Broker
Individual Insurance Exchange (Market)

How it works: This is a government-run online exchange created through the Affordable Care Act. You can find your country exchange at www.healthcare.gov. You create an account and provide information about your family, income, age, and health insurance provided by the company. Then you can compare packages and learn how much each costs. You can also find out if you qualify for a tax credit or subsidy to help you pay for the package.

Advantages: You can easily see what packages are available in your area, including costs, provider networks, and benefits. But perhaps the biggest advantage to buying your insurance on the exchange is that you may qualify for tax credits and subsidies. This can reduce your premium and payment costs.
Weaknesses: Some exchanges are difficult to trace.
Insurance company

How it works: You can directly visit the insurance company website or call the company to get information about available packages. You can even register in packages online or by telephone.
Advantages: You deal with an insurance company that can guide you through the plan.
Disadvantages: If you buy directly from an insurance company, you are not entitled to a premium tax credit. You also can’t easily compare packages between insurance companies.
Health Insurance Agent / Broker

How it works: Health insurance agents work for one company, so your choices are limited. However, the broker is independent and represents several companies. Agents and brokers must have a license to sell health insurance in your country. And they have to work with anyone who approaches them, regardless of income. They also need to receive special training and certification to sell insurance on the exchange. In some cases, they also need to register with the federal government. You can find agents or brokers who specialize in health insurance at the National Association of Health Underwriters, www.nahu.org.
Advantages: Both can help you find insurance on the exchange or directly from an insurance company. They can also provide expert advice along the way.
Disadvantages: Insurance companies pay broker and agent fees, so there may be a bias to direct you to a plan that provides the highest commission. Brokers can also charge separate fees to you. Plus, if you buy a package outside the stock exchange, you are not entitled to tax credit or subsidies.
Web Broker

How it works: Web brokers like www.eHealthinsurance.com, www.HealthPlanOne.com, and www.InsureMonkey.com operate personal websites. These sites can directly register you in health insurance plans, including public exchange plans.
Advantages: You can view and register in packages from several insurance companies. The web broker must display all health packages that meet the requirements that appear in the public exchange. But they are not permitted to sort plans in a way that can lead you to a specific plan. They also have to reveal who pays them and how and cannot charge separate fees.
Disadvantages Not all countries allow Web brokers to register people in public exchanges. Also, insurance companies pay fees to brokers, so there may be a bias to direct you to a plan that provides the biggest commission. Plus, if you buy a package outside the stock exchange, you are not entitled to tax credit or subsidies.

source: www.northshore.org

Affordable Health Insurance for Self Employed

Did you know, about 50% of the US population is protected by health insurance through work and 35% is covered through a public health plan. While the Affordable Care Act, also known as Obamacare, increases coverage options for many people, Entrepreneurs find it increasingly difficult to obtain affordable health insurance. If you are an entrepreneur and in good health here are some alternatives.

Minimum Essential Coverage

These plans provide preventive health care services that are required under affordable care laws and individuals who register in this plan are exempted from not having health insurance because they provide the minimum essential coverage required by health law.

This package includes doctor fees, laboratories, and other diagnostic services needed based on age and sex as described in the health care law. Premiums are around $ 100 – $ 150 for this type of package. However, they will not cover services for illness or injury.

Health Package Unbelievable

This type of plan provides benefits for medical and hospital costs. However, they do not provide all conditions under health laws such as preventive care, pregnancy and mental health. These plans exclude coverage for pre-existing conditions or establish a long-term waiting period before existing conditions can be covered.

Although these types of packages will not help you avoid tax penalties because they do not have coverage that can be credited, they can be purchased in addition to the Minimum Essential Protection Package. With that combination, the person can obtain preventive benefits, add medical and hospital services for illness or injury and avoid tax penalties.

This plan is more affordable than the Obamacare plan and can be a good alternative for healthy entrepreneurs and unable to buy coverage that can be credited through their employers or the Federal Market. Premiums are in the range of $ 200 – $ 1,000 for this type of package depending on the service you want to include in your coverage.

Health Cost Sharing Plan
These plans are offered through groups of individuals who share religious-based values. Even though members do not have to be part of a particular religion, they are committed to a healthy lifestyle, good health habits, and believe in helping others. Members have reciprocal agreements to share other medical expenses. This means that healthy members pay the costs of members who need health services due to injury or illness.

This package is not supported by an Insurance Company and not insurance. This means that medical expenses are borne if a member’s contribution is enough to pay. People who are members of this plan are excluded from paying penalties for not having health insurance because of their religious beliefs. Premiums are in the range of $ 200 – $ 1,000 for this type of package depending on the service you want to include in your coverage

source: assurnet.biz

Best Private Health Insurance Plans for Families

A page researched several insurance companies for more than two weeks, they researched, compared, and evaluated the best national health insurance providers. They see package options, premiums, availability and applications. Another important aspect of choosing an insurance provider is customer service, they also know how responsive each company is. Even though everyone has different health care needs, the companies they recommend have a reputation and reliability.

Blue Cross Blue Shield – Overall Best

This old insurance company has many choices, so there must be a comprehensive plan that meets your needs. According to the page Blue Cross Blue Shield is a national provider consisting of local companies that are operated independently. This means that the coverage is wide but can vary depending on where you live. There are more packages compared to other insurance providers they evaluate. In fact, they provide a choice of around 20 packages during testing. There are side-by-side comparison features that describe certain costs and benefits with pop-up windows that show you more information about each. Premium, in their tests they are in the range of the average price of other websites they test. Costs are slightly above average for customers aged 44 to 55 years, but not many. Even though we try to test as completely as possible, the quotes that you get will vary depending on your needs and your own medical history. There are benefits available through health and welfare programs. You can get discounts for health clubs, fitness monitors, diets and products and other health related services and prescription managers where you can order drugs online or by mail. You can also find a doctor on the network anywhere on a website or mobile application, which is useful when traveling. And speaking of travel, temporary international coverage is available.

Humana – Best for Seniors

They also mentioned that Humana is a good choice for consumers in parts of the United States, because it is only available in 22 countries. If you happen to live in one of these states and are over 45 years old, chances are you will see a lower premium compared to other insurance companies. In their tests, they looked at policies for single non-smokers in five different places. They found lower premium rates than many other companies they tested, especially for seniors. This may vary depending on your health and personal background, but generally this is an affordable company. They got about a dozen package options in their queries, which they considered to be a viable option. The company also offers health protection at home, which is useful for older customers or those who have chronic diseases that can affect their ability to live alone. There are no short-term plans available, so this is not a place to shop if you are between jobs or waiting for new job insurance. You also get access to health benefits like HumanaVitality, an online gift program intended to help users develop healthy habits.

Kaiser Permanente – Best Application

Kaiser Permanente has a low rate but works with a number of doctors and institutions in its own medical system. While they like the results they get, you should look at hospitals and doctors in your area specifically and make sure they come highly recommended before using this insurance provider. You can be covered in eight states: California, Colorado, Virginia, Maryland, Oregon, Washington, Georgia and Hawaii, plus the District of Columbia. In that area, this insurance provider has 38 hospitals, 618 medical offices and outpatient facilities, and 17,425 doctors. In addition, you can get coverage for international trips, regardless of the state where you live. If the Kaiser Permanente limited scope is right for you, it has a useful application. Actually, it was one of only three who scored A + in our test. It works on Android and iPhone and is very easy to navigate and well designed. This map feature will show you exactly where the local doctors and hospitals are. One other unique feature about this provider is multilingual service. Kaiser Permanente has an interpreter who can translate medical information for those who do not speak English.

To see the seven other health insurance companies that they reviewed you can see directly at www.toptenreviews.com