Health insurance is a necessity, that is clear to everyone. However, when dealing with pregnant woman this issue becomes even more important. This reason is obvious: clearly there is the risk of complications during pregnancy, as well as procedures that could ease the woman’s pregnancy (which can be very hard at times). Consequently, it is crucial that pregnant woman possess health insurance and regularly see a doctor for check-ups.

That being said, many pregnant women do not possess any form of health insurance. This is dangerous: it has been statistically demonstrated that children born to women who have not received medical treatment during their pregnancy are more likely to have low birth weight, as well as higher incidents of death.

In fact, according to the AMA (American Health Association), 41 million Americans do not possess health insurance, this includes roughly 13% of pregnant women in the United States. These facts are tragic, since many unfortunate situations could be prevented if these women had possessed health insurance.

Furthermore, if a pregnant woman does wish to be regularly checked, even without health insurance, this could become a very expensive procedure. Prenatal checkups are very expensive, and hospital and delivery charges could easily cost more than $10,000. If there are any complications (i.e. premature birth, cesarean section surgery), the costs could become significantly larger. Thus, it is absolutely crucial for a pregnant woman to obtain health insurance.

Unfortunately, most health insurance companies simply do not accept pregnant women, with their rationale being that their pregnancy is a pre-existing condition. There are ways to overcome this obstacle (which we will shortly discuss), however, the lesson here is that if you are an uninsured woman reading this, and you intend to become pregnant, it may be very wise to go ahead and obtain health insurance now, as this could prevent a lot of potential problems later on. The following are a few useful and practical tips on how uninsured women may obtain health insurance:

First, use all the resources at your disposal: shop around, search the internet, ask physicians. There are health insurance companies who may be able to provide pregnancy health coverage and discounted health care coverage, you just need to find them. These days it is extremely easy to obtain health insurance quotes online from a long list of providers, so use this, and you are likely to find a health insurance that will accept you.

Second, there are some federally funded programs which offer healthcare coverage for low income people. Medicaid, for example, allows you to enroll in a health insurance plan even when you are pregnant. An additional program is CHIP. Some states have specialized programs for this purpose: investigate whether your state offers one.

Third, check with other agencies, such as WIC. WIC offers low income women and children under 5 to get health services. It also provides food supplements.

Finally, if you are in a position where you have several options, make sure you choose your plan carefully: choose the plan which covers all the benefits you may require. For example a hospital-only plan will not cover visits to a physicians clinic.

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