Pregnant, No Insurance, Don’t Qualify for Medicaid
Medicaid is an all-in-one health insurance coverage backed by the US Government. Millions of Americans get health coverage at reasonable rates through Medicaid.
It is available for low-income individuals and families, children, pregnant women, the elderly, and the disabled.
Many people believe that Pregnant Women do not qualify for Medicaid. However, the actual scenario is entirely different.
All health insurance companies and Medicaid cover pregnancy and childbirth in the United States.
This applies to women who fall under the low-income category. So, if you believe that Pregnant women do not qualify for Medicaid, it is baseless.
Interestingly, Medicaid facilities can be availed by Pregnant women. The coverage would begin from the day she qualified for the insurance, even if she applied after pregnancy.
These services are provided under Maternity and Newborn Care.
What are the Criteria for Pregnant Women to Get Medicaid Coverage?
Pregnant Women with no life insurance coverage are sometimes not allowed to obtain Medicaid facilities.
These types of women earn enough money to pay for their pregnancy and newborn care treatment and for that reason, they don’t qualify for Medicaid.
This is what makes most women confused when they try to avail of Medicaid before or after their pregnancy.
Besides lending to high-income groups, pregnant women who don’t carry citizenship of the country or are illegal immigrants do not qualify for the Medicaid facility, which the US Government backs.
However, these types of women can benefit from Medicaid facilities under certain circumstances.
Women in a high-income group can appeal for the same after reviewing their previous mistakes.
On the other side, non-citizenship holders and illegal immigrants should apply for emergency Medicaid. They can also go for the charity program available from nearby hospitals.
Many government programs provide additional help to those women who don’t have health insurance or are not qualified for Medicaid.
These programs provide additional benefits such as food, prenatal care, energy, prenatal sources, and much more.
Moreover, some private organizations also provide financial support to the needy.
Women with no health insurance should search for such organizations from where they can receive financial aid or external support to complete their maternity period.
What are the Options available for Pregnant Women?
Pregnant women without health insurance have two options: apply for Medicaid or Chip Perinatal.
Chip Perinatal is a service provided by many states in the United States to Citizens and qualified Non-citizens of the country.
Services Covered Under Medicaid or Chip Perinatal for Pregnant Women
Both programs offer similar services to pregnant women. Here, we have prepared a list to give you more information about the types of services covered under these programs.
- Prenatal clinical visits
- Prenatal drugs and vitamins
- Labor services
- Delivery services
- Regular checkups and tests
- Other benefits before leaving the hospital post-delivery
These are the services covered under the Medicaid and Chip Perinatal program.
The health plan may vary from area to area, so you should first check for the available plan that can suit your basic needs.
What If a Pregnant Woman Already Has Medicaid or Chip Perinatal?
Pregnant Women with Medicaid or Chip Perinatal are covered for 60 days post-delivery of their newborn.
After 60 days, she will not be qualified for any other benefits. She will be notified when her coverage ends.
If her 60 days are completed, she will receive a phone call and a text message from the authority.
During this period, they can enroll in an external Marketplace plan without breaking down the coverage.
If a pregnant woman already has Medicaid, her newborn will be enrolled for Medicaid Coverage automatically.
The woman and her newborn will be eligible for coverage and benefits for at least a year.
Is Charity Care a Good Option?
Charity care is a lifeline for women who do not carry legal immigration or are non-citizens of the US.
If they do not get an emergency Medicaid service, their final option is Charity Care. These types of women can avail of the service from a local hospital.
As per the law, local hospitals and other healthcare centers can’t deny providing services to the needy even if they do not have legal citizenship or immigration.
They can also receive financial aid from Charity Care to look after their newborns.
Thankfully, there are multiple options available for pregnant women who don’t qualify for Medicaid during or after their pregnancy.
These are the alternatives that they can explore if their appeal to get coverage under Medicaid or the Chip Perinatal Program is denied by the authority.
The rules to cover prenatal care services may vary from state to state for US Citizens and non-citizens exploring the Charity Care program.
Illegal immigrants should go to the Charity Care program as it is easily accessible and doesn’t require extra documents to enroll.
Explore the available plans before applying for these programs to cover pregnancy expenses.