If you are not covered by a group plan, presently uninsured or insured by an individual California health plan that does not include maternity coverage, please bear in mind that you want to be proactive in your California health insurance strategies if you are considering becoming pregnant. In the individual CA health insurance market the number of PPO, HSA, or HMO plans that offer maternity are few and far in between and you’ll need to “qualify” for coverage. What does that mean? Well it’s a nice way of saying that you can’t already be pregnant when you apply for that CA health plan with maternity coverage component.

Insurance companies will not let you transfer your coverage from a non-maternity plan to maternity plan “after the fact”. That is, after you become pregnant. So, if you are thinking of expanding your family and currently have individual California medical insurance that you purchased for yourself and your family which doesn’t have a maternity coverage feature, please call the Vitality professionals and find out how some pre-planning with your health care strategies can save you some real financial hardship! The costs incurred for a premature birth can be staggering and even a c-section procedure can wreck financial havoc with the household budget. If the idea of adding to  your family is in the future, let’s take a bit of time together to create a California health plan strategy that will provide the health care coverage your family and your finances will benefit from.

Please remember too: If you find yourself in need of maternity coverage and private individual insurance is not viable, California offers an invaluable program called AIM – Access for Infants and Mothers with eligibility and program cost determined by income levels for your family. Contact your friends at Vitality if further program or contact information is needed!