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Is Pregnancy a pre existing condition? Can I still get pregnancy insurance?
Under Obamacare and the Affordable Care Act, pregnancy can no longer be considered a pre-existing condition when the calender clicks over to 2014. Before the new healthcare reform, some insurance companies could deny coverage to women or charge them higher rates if they were already pregnant. At present in 2013, insurance companies may still deny coverage, but many have begun integrating new policies for pregnant women to prepare for the changes under the Affordable Care Act. Starting in 2014, it becomes illegal for any insurance company to deny health coverage to people with pre-existing conditions.
In 2013, can I still get health insurance if I'm already pregnant?
The answer is yes! We work with many providers who offer maternity insurance to women who are already pregnant. Just enter your zip code below, fill out our simple form, and we'll provide you with a free pregnancy health insurance quote.
In addition, under the Affordable Care Act, you may choose any primary healthcare provider, pediatrician, or OB-GYN in your health plan’s network, or emergency care outside of the plan’s network, without a referral. Pregnant and uninsured? Let us help find you affordable health insurance to cover your pregnancy. It's what we do best. Congratulations on bringing a new life into this world. It should be one of the happiest times in your life, and we're here to help take away some the stress of pregnancy costs.
Before the Affordable Care Act, women would often be charged a higher premium than men due to the potential for more healthcare costs. Eg: Pregnancy, regular OB-GYN checkups, etc. To give you an idea, a woman in her early 20's may be charged 150% more that the policy that the same aged man paid. Starting in 2014, insurance companies will no longer be allowed to charge women more for their premium than men. The law takes strong action to control health care costs and improving fairness of the system, including helping states crack down on excessive premium increases and making sure most of your premium dollars go for your health care.
Maternity coverage will be required in new insurance plans. Healthcare plans and insurance companies routinely exclude maternity insurance in their private medical plans, strictly because it's only women who need the coverage. Not only is there a small amount of private companies offering maternity care, what is offered is often not enough due to high deductibles and long waiting periods. This will be a thing of the past once Obamacare is fully in place and health plans will all come with pregnancy insurance. Being pregnant will no longer be considered a pre-existing condition.