With all the new requirements from the new healthcare bill, more women can now afford care from their doctors. However, some providers just offer the minimum requirements, which is like getting liability-only car insurance. (You just better hope you don’t tap anyone else’s bumper.)
But, come on, you’re no four-door sedan, right? This is your health we’re talking about! Here’s what women should look into new with any new plan.
So you want to start a family? Good news – maternity care is covered in all qualified health plans starting in 2014. If you’re new to motherhood, you should consider the following: having prenatal care, pregnancy-related counseling, enhanced coverage for high-risk pregnancies, midwifery services, labor and delivery services outside of a hospital setting, and newborn care. Look at the caps in cost, limitations and any other red-flag waving terms.
Mental and Behavioral Health
Seeking therapy or rehabilitation is tenacious enough; don’t let a fear of cost or coverage block you. You’ll want to compare coverage in marriage counseling; depression and anxiety management; substance abuse treatment; outpatient or ambulatory care; rehabilitative services and the extent of its preventative services.
If You Have Children
You can expect your health plan to cover children’s vision and dental services without cost sharing. Your kids will also get many preventative health services covered including immunizations, developmental assessments, various screenings (such as autism), and others. Find the coverage best for your children and their (extremely) valuable development. If you make too much money to qualify for Medicaid coverage but have difficulty covering the cost of a private health insurance plan, you may be eligible for the CHIP program (Children’s Health Insurance Program). CHIP provides coverage for your children with 26 complete preventative health services. But, each state’s eligibility is different, so be sure to check with your state.
Are Your Meds Covered?
Not being able to afford your prescription medication can be detrimental. Make sure you’ve evaluated each plan’s list of covered medications, especially those you take regularly and/or are known for being expensive.
Find The Right Plan
We would love to discuss your individual needs. Give one of GoHealth’s licensed insurance advisors a call at 877.901.6905 to go over your budget and health needs for 2014. GoHealth advisors are available between 7am-10pm, seven days a week.
You can also visit www.GoHealthInsurance.com any time to get a free quote and find out if you qualify for lower cost insurance.