The coming of a baby brings with it much anticipation and excitement but it can also bring with it a lot of high expenses. In addition to preparing the way for the baby, you need to think about maternity costs. If you plan ahead far enough in advance you will be able to get good coverage at a low cost well before you conceive.

The usual way for women to do things in our modern world is to plan out their lives from school to career to having a baby – and usually in that order. Women who think like this will often have everything in place before it is time to get pregnant and while your life may not be quite that planned out it would make sense for you to, just like they do, get your health insurance for pregnant women in line to help cover maternity costs. You want to have a healthy pregnancy and give birth to a healthy child but in order to do this you need to get costly prenatal care.

You will be visiting your doctor regularly and sometimes up to once a week or more in the last month of your pregnancy. In addition to this you will need to have many expensive tests done when conception is first discovered and throughout to continue making sure you and the baby are OK. If you had to pay for all these visits out of pocket they would be a huge expense and before you start thinking you have health insurance already so you’ll be fine you need to know that pregnancy is rarely covered under these policies.

I can tell you, from first-hand experience, just how expensive a baby can be without health insurance for pregnant women to help cover the costs. I wanted to be sure that my baby and I had the best care possible and the prenatal costs (check-ups, ultrasounds, vitamins, etc.) wound up being nearly $10,000 and the 2 day hospital stay was $13,000. Thankfully, I was able to take care of most of this without health insurance for pregnant women, but I shudder to think what would have happened if a C-section would have been needed.

Most people aren’t like me with that much in savings to pay for a pregnancy and birth out of pocket like that and in the end I was short nearly $5000 because I hadn’t planned on having to stay for 2 days in the hospital. I was also lucky with having a relatively safe birth. If you are already expecting it will be too late to get decent insurance unless you have a low income and can take advantage of government programs. Start planning now and get your health insurance for pregnant women in place – you won’t regret it.