Where To Find Low-Cost Health Care For Moms And Babies

If you’re pregnant you absolutely need prenatal care, plus proper care for your labor and birth. Once your baby arrives,...
If you’re pregnant you absolutely need prenatal care, plus proper care for your labor and birth. Once your baby arrives, he'll need health care, basic check-ups and so on as well. Of course, if you're going to have a baby, it's best to make sure you're ready, get into tip-top healthy shape and save money ahead of time. That said, about half of all pregnancies are surprises. Worse, we're living in an uncertain economy right now and even if you start out your pregnancy with a good job and benefits, things can change. Plus, often, health insurance won't even cover pregnancy. If you are pregnant or have a young baby, and also lack health care insurance, the stress can be overwhelming. The first thing you should know is that you should not go without prenatal care; your health and your baby’s health depends upon on proper prenatal care. The next thing you should know is that there may be a program out there that can help you. Don’t simply assume that you and your child are ineligible for health care programs. If you don’t have health care check out the following low-cost resources: Very low-cost help: The Foundation for Health Coverage Education (FHCE) offers many ways to help you find low-cost health care coverage in your area, including an easy Health Coverage Eligibility Quiz, the U.S. Uninsured Help Line and more. Buy less expensive private insurance: As a freelance writer, I don't get employer health care options - so trust me, I know how frustrating it is. I also know how hard it can be to shop around. That said, don’t automatically assume you can’t afford health insurance through a private provider. I buy health and dental insurance for my son through Kaiser Permanente, and it is actually good and affordable health care coverage (under $160 per month). Kaiser may not offer the best price or options for your family though, so shop around to see if another carrier may work for you. We looked at many carriers before buying.
  • Private health coverage tip: While I was looking for insurance, I saw that individual plans cost way less per person than group or family plans - meaning it's cheaper to buy me one plan and buy my son another plan vs. buying us a family plan together. So you may want to start looking at individual plans.
Get insurance via your partner: If your spouse or domestic partner has employer based health care, often it'll be open to family members, for a price. Sometimes jumping on a partner's plan is less expensive than purchasing private insurance, sometimes not, so you'll need to check around. Learn more:

Tags: baby budget baby costs baby health insurance budget for baby can't afford health care how mush to raise a baby low cost health care low-cost insurance plan a baby budget prenatal care what a baby needs

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