Health Insurance and Pregnant Women
Finding insurance for pregnant women has increased in difficulty this year. With so many changes to insurance policies because of health care reform, many women are finding that there is no easy way to find maternity insurance. Individual health insurance plans won’t help either, because they do not cover maternity costs. Medicaid, for pregnant mothers in many states is the only option for helping to cover the costs of maternity and post natal services.
Doctors appointments, changes in diet, vitamins and medicines will cost a lot and those expenses can be covered either out of pocket or through government sponsored health care like Medicaid. Group insurance is an option, some still carry maternity insurance. Group insurance is normally received as a benefit through employment with a company that has group insurance.
Maternity insurance is extremely expensive even if you do find it. Sadly, many women have to rely on the law that emergency rooms cannot refuse service to someone because they do not have a means to pay or have health insurance. It is illegal for them to turn a patient away because of their financial status.
Health Care Reform Bill States Opt Out?
President Obama has recently agreed to allow an amendment in his famous health care reform bill. The amendment will allow states to decide whether or not to pull out of some of the law’s requirements three years prior to the original date of 2017. This amendment comes with some additional stipulations.
These stipulations include, that the new option provides an equal amount of coverage for as many people as the original would as well as not exceeding the original cost. The agreement to this amendment came as state Govenors and newly elected Republicans made a fuss about the current law the reform mandated.
The amendment was pushed by both Republicans and Democrats and is backed by R-Scott Brown of Massachusetts, D-Ron Wyden of Oregon and D-Mary L. Landrieu of Louisiana. It will allow states to decide earlier to opt out of different mandates if they are able to provide similar coverage at similar cost.
Fed Lawsuit May Harm Medicaid Home Care Health Insurance
Recently there has been a federal lawsuit brought up against the City of New York. This lawsuit claims that the city has irresponsibly handled the distribution of Medicaid funds through home health care to patients who did not need the care. The lawsuit also claims the state has been careless about the way Medicaid funds have been used over the past 10 years.
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Many Medicaid home care cases are determined with the thought that it is better to have a patient at home, rather than placing them in a assisted care facility. This is done out of the thought that the elderly should live with as much independence as long as possible. The opposition believes that this is financially irresponsible.
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The suit has been asked to be overturned and dismissed by the City of New York. The real threat that is worrying experts is the precedent this trial may set. If the federal government wins this trial, it is likely that other states will follow in their footsteps.
