If you are reading this post, you are probably desperate. First off, congratulations on your pregnancy! I hope my story will help you save money on your maternity bills if you don’t have maternity coverage.
In April 2007 I found myself pregnant. I called my insurance first to find out if they covered pregnancy. The answer was ‘no’. Then after calling numerous insurance companies I found that pregnancy is considered a pre-existing condition and none of them could cover me, since I was already pregnant.
I started to get worried. We have a baby on the way and we will have to pay for the doctor, labs, hospital ourselves! How much will it be? Where are we going to get the money? What if there are complications?
My husband is self-employed and I wasn’t working at the time. We had individual insurance plan through a major insurance carrier. The only way they would cover pregnancy is if I had maternity coverage before I got pregnant or if we had group insurance through the business.