Has anyone used the Marternity Card or Ameriplan for birth?
Right now I am just researching these discount cards possibly using if I happen to get pregnant in the near future. Right now I am not insured and I have found a plan that is affordable for the family about 150$ for me, dh and ds, but it doesn't have maternity benefits. Ideally I will switch to a way pricer plan (300$) just for me when we TTC that covers all maternity, but I am trying to have a back-up plan just in case we are unexpectedly blessed w/a pregnancy. Any input is helpful.
thanks
^_^:
NO, I haven't ever used one of those plans but I know that any Pregnant woman in the US can get Medicaid while you are pregnant, and it lasts up to 12 weeks post partum.
Denise
^_^:
NO, I haven't ever used one of those plans but I know that any Pregnant woman in the US can get Medicaid while you are pregnant, and it lasts up to 12 weeks post partum.
Denise UMMM..NO!! Absolutely WRONG!!!!
While that *might* be true where you live(I'm not saying it is or it isn't, since I don't know where you live), it is certainly not true in most places. Each state has it's own requirements for Medicaid, and in my state and at least 3 others i know of, there are INCOME guidelines that must be met in addition to simply being pregnant.
I am one of those super-lucky working-class individuals that has a family income that is just barely too much to qualify for pregnancy medicaid, but yet not enough where we can afford to pay for insurance, not that what is offerred at DH's work is any good anyway.
I'm really not trying to jump on you, pp, but I just don't want misinformation spread around, especially in a case like this, where the OP might think "oh great, if i get preggo, I'll just get medicaid" and then come to find out her family is not eligible.
To the OP...if you believe you might be eligible for Medicaid, you can look into your state's program, and determine if you would be eligible.
My state uses 185% of the federal poverty guidelines as the income limit, which is about $38,000 for a family of 4, which includes the fetus. amounts are different in AK and HI, and are dependent on family size.
Also, you will want to consider what type of care you will want. Since you are on MDC, i assume there is a chance you will want a midwife or homebirth. MANY insurances do not cover these services, and many Medicaid prograsm slso do not cover them, although in some states they do. Again, you need to do your homework.
Spending a bunch of money for insurance to find out you DETEST the only OB practice it covers within a 2 hour drive of your house is a waste of money.
Also, to give you perspective, paying $300/month for 12 months (most insurance require you be on the insurance a year before they will cover a pregnancy) is $3600. In almost every place in the US, you can get a complete homebirth package for that much or LESS. So, depending on your desires, simply saving the money might be btter than using it to purchase insurance and/or upgrade your insurance to the maternity package.
Hope that helps a little.
More Topical:
thanks
^_^:
NO, I haven't ever used one of those plans but I know that any Pregnant woman in the US can get Medicaid while you are pregnant, and it lasts up to 12 weeks post partum.
Denise
^_^:
NO, I haven't ever used one of those plans but I know that any Pregnant woman in the US can get Medicaid while you are pregnant, and it lasts up to 12 weeks post partum.
Denise UMMM..NO!! Absolutely WRONG!!!!
While that *might* be true where you live(I'm not saying it is or it isn't, since I don't know where you live), it is certainly not true in most places. Each state has it's own requirements for Medicaid, and in my state and at least 3 others i know of, there are INCOME guidelines that must be met in addition to simply being pregnant.
I am one of those super-lucky working-class individuals that has a family income that is just barely too much to qualify for pregnancy medicaid, but yet not enough where we can afford to pay for insurance, not that what is offerred at DH's work is any good anyway.
I'm really not trying to jump on you, pp, but I just don't want misinformation spread around, especially in a case like this, where the OP might think "oh great, if i get preggo, I'll just get medicaid" and then come to find out her family is not eligible.
To the OP...if you believe you might be eligible for Medicaid, you can look into your state's program, and determine if you would be eligible.
My state uses 185% of the federal poverty guidelines as the income limit, which is about $38,000 for a family of 4, which includes the fetus. amounts are different in AK and HI, and are dependent on family size.
Also, you will want to consider what type of care you will want. Since you are on MDC, i assume there is a chance you will want a midwife or homebirth. MANY insurances do not cover these services, and many Medicaid prograsm slso do not cover them, although in some states they do. Again, you need to do your homework.
Spending a bunch of money for insurance to find out you DETEST the only OB practice it covers within a 2 hour drive of your house is a waste of money.
Also, to give you perspective, paying $300/month for 12 months (most insurance require you be on the insurance a year before they will cover a pregnancy) is $3600. In almost every place in the US, you can get a complete homebirth package for that much or LESS. So, depending on your desires, simply saving the money might be btter than using it to purchase insurance and/or upgrade your insurance to the maternity package.
Hope that helps a little.
More Topical: