Pregnant? Uninsured?
If you are planning to get pregnant in the near future, you need to check on your current policy and ask to add a maternity rider to your policy or change your policy to an insurance carrier that offers maternity coverage. Currently, in the state of Texas, there are only two carriers that currently offer maternity coverage to be added to your individual policy. Maternity coverage can only be added before you become pregnant. Once you are pregnant, insurance carriers consider it a preexisting condition and will not allow you to purchase additional coverage. In fact, while you are pregnant, you cannot switch from your current insurance carrier. Insurance carriers will not insure you or you family while you are pregnant, but a few carriers will offer to cover children. So before you plan a child, make sure your current individual plan offers maternity or otherwise find an insurance carrier that does.
Most individuals in the state of Texas are unaware of the guidelines until it is too late. What is a expecting mother to do if she currently has coverage but does not have maternity coverage or is uninsured all together? First, Contact Texas Department of State Health Services to see if you qualify for any of their programs that provide assistance. Second, be very careful of scams. This is a wonderful time for you and your family and it should be enjoyable without the worries of financial burdens. Texas Health & Life is here to help keep you informed and help in any way.
Texas Department of State Health Services
1100 West 49th Street, Austin
Texas 78756-3199
Phone: (512) 458-7111 or 1-888-963-7111
Telecommunications Device for the Deaf (TDD) Relay Texas: 1-800-735-2989
To learn more about health insurance, visit http://www.texashealthandlife.com.
Tags: help with maternity insurance, help with pregnancy insurance, maternity coverage, maternity insurance, pregnancy coverage, pregnancy help, pregnancy insurance, pregnant
