Some of the tests that you’ll take during pregnancy will help your doctor monitor your health, while others will give you more information about your baby’s health. Then work with your practitioner to make sure to stay on schedule with any necessary tests throughout your pregnancy. Discuss your history and any concerns early on with your doctor to find out what tests are right for you. But keep in mind that your comfort during labor is worth the high cost, so if your heart is set on a hospital birth, don’t compromise to save cash.But most of these tests will confirm that everything is just fine - or can be made so with simple, standard follow-up care. You’ll save even more if you use a midwife instead of a doctor - and you increase your chances of getting that natural birth you’re hoping for. At a birthing center, the average vaginal birth with no complications usually costs about half of what the same type of delivery at a hospital would cost. If you’re healthy, at low risk for complications, and want an unmedicated childbirth, you can save a bundle by delivering at a birthing center instead of a hospital. Consider a birthing center and midwife.Just make sure you read the fine print to see whether your health care providers and services are covered and there are no hidden fees. Another possibility: health care discount services or discount cards, which negotiate price cuts on health care services for a monthly fee. They also usually offer payment plans that give you the option of paying the bill over time. Many doctors and hospitals will give you a discount, sometimes as much as 20 or 30 percent, if you’re paying cash. If you’ve investigated the other insurance options and it turns out you still have to pay out of pocket for your care, call your health care providers - they may be able to help. The catch? You may have to wait for an open enrollment period to be added, and many health plans do not cover maternity services for dependents - so make sure you look into that first. Under the ACA, if one of your parents has a health plan, they should be able to add you as a dependent until you’re 26 years old - even if you don’t live with them, whether you’re married or not and regardless of whether they’ve declared you as a dependent or not on their taxes. Contact your former employer’s human resources department for more information. Unfortunately, COBRA premiums are usually very high since they don’t include employer contributions, but it may still save you money compared with paying out of pocket. If you or your partner was recently unemployed and you previously had health insurance, you may be able to get coverage for up to 18 or 36 months (depending on the circumstances) through a program called COBRA (Consolidated Omnibus Budget Reconciliation Act). Or call your local Health Insurance Marketplace representative or your local health department to ask whether you’re eligible. The Kaiser Family Foundation also has a list of each state’s income limits. Even if you haven’t qualified in the past, many states increase their income requirement during pregnancy to help more pregnant women get coverage. Double-check your Medicaid eligibility.Here are some ways to keep this baby from breaking the bank: Otherwise, there are still several other options that can help you pay for high-quality care now. Find out more, including how to get in touch with a local marketplace representative, at. While pregnancy itself is not considered a qualifying life event, giving birth - along with marriage, divorce and moving - count. But you must enroll during the open enrollment period, which happens on an annual basis, unless you are eligible for special enrollment. If your employer or your partner's employer doesn't offer insurance or you're unemployed, you may be able to apply for a health plan through the Health Insurance Marketplace.
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