Health insurance is an absolute must if you are just about to have a child or if you are a new parent. This insurance becomes doubly important if you are a single new mom who has no other help. Health insurance can cover OBGYN in Dallas, TX as well as other parts of America.
These health insurance plans are helpful for new mothers who are required to visit doctors and medical experts like lactation consultants who can give great lactation consultation to new mothers. The most important thing for a new mother is to choose a health plan that will be right for her as well as her child. There are a plethora of health plans and options available for you to choose from based on your needs and requirements. Here we will discuss some of the most common ones.
Medicaid is a government assistance program that has been specially designed to help pay for the health care of low-income families. For many parents who have a low income, this might be the best and most effective option. These programs are funded by the state and federal governments.
CHIP (Children’s Health Insurance Plan)
This is another option for new moms as a way to obtain a low-cost insurance plan. This program is an ideal option for you if your income is too high to qualify for Medicaid. The health plans that are offered under CHIP cover services like; immunizations, doctor’s visits, emergency services, routine check-ups, dental, and other hospital services.
Another benefit of the CHIP program is that it also covers children under the age of 19 which means that you don’t have to pay for your children’s doctor visits.
If you work for a company or an organization that offers health insurance, then you can apply for health insurance through your company’s employer-sponsored health plan. Because of the Affordable Care Act, the cost of the healthcare offered by your employer cannot exceed 9.78 percent of your household income which means that you are able to attain this health plan at a relatively cheap price and avail all its benefits.
The Insurance Marketplace
New moms who do not qualify for Medicaid are still eligible to receive health insurance through the insurance marketplace. The eligibility criteria for this subsidiary depends on a series of factors like the household income. An advanced premium is also available for those who buy a health plan through the marketplace.
Short-term Health Insurance
If you are a new mom that is in between jobs and waiting for your insurance coverage plan to commence at your new job, then you are able to buy a short-term health plan. The short-term policy provides you a large variety of temporary health insurance benefits until your new coverage kicks in. This is an ideal option for you if you need a health plan quickly and cannot wait for your new health insurance to kick in.
Your Parents Health Insurance Plan
If you are unable to make use of any of these options, then as a last resort option you are able to stay on your parent’s health insurance plan till the age of 26. The rules of this plan are specific to young adults who are either married, have a child, or have started or left school. In order to make use of this plan, you don’t have to be dependent on your parent’s taxes or live with them. Eligibility rules for this plan may vary from state to state but the basic details are all the same.
These are some of the best health plans for new moms in 2021. These plans can ensure that you are able to raise your child and look after them properly while you work and provide for them.