best lowcost Health insurance plan in USA for maternity

hi Nigu

firstly,thanx alot dear for bearing with my so many questions and giving me proper guidance.
yeah i have talked to the HR of his company ,and they said they can add me in july only evn if pregnancy is preexisting.so i think thts sounds a relief for me,as atleast thy can add me .

and so till then i think i should go with normal basic health pvt plan.

but want to know one thing as what docs usually do in first 5-6 months of pregnancy ?,i mean ,do i need to add maternity in that or only my basic health plan would do?

wht i enquire, normal health plan include specialist visit for some fees and lab work nd deductible only for surgery or some hospitalisation ,so wil that be okk ,if i go ahead with normal basic plan ,as i dont think any such hospitalisation is done by doc in first 5-6 months of pregnancy.and as i m not sure of my pregnancy,so i dont wanna add maternity unnecessarily into tht.

so even if i dont take maternity included thy will b able to pay for my regular checkups and lab work in my simple plan ?
Suppose pregnancy is there so even i go for routine chckup and lab work to confirm it ,till coming july can i rely on tht plan for my monthly checkups ?i m worried as they can say as u r pregnant we cant cover ur monthly visits and ultrasound and all.
hopee u understood wht my concern is about these pvt plans.

thnx again

Pari

 

Nigu,

yeah dear,i asked the pvt insurance today so thy said in plan without maternity thy will not cover any expense related to preg,so i think as i m not sure i m pregnant or not so i hv to go with maternity plan for 1st 2 months atleast.dont hv any other option to go.

kindly tell me one thing more that ,expectedly how much expense is there for first 1-2 months in preg ,for all test and Ultrasound, if u hv gone thru it?As it can giv us rough idea about the cost and way to proceed.
I Know u may not know exct amount may b ,but can u just tell wht doc do in 1-3 months of preg like blood and how much frequently i hv to go to visit GYN evry month in 3 months and wht all test r done nd rough fees for them.

sorry for asking so much detail ,but i m in such a situation ,where i cant proceed without knowing all such things as i m not sure of my pregnancy.as pvt plans r really expensive ones.so we hv to select the plan as the need in first 1-3 months.and i don hv any idea wht docs here do aftr u first visit thm for preg chk.so plz guide me for this too.
if i would hv got a sure answer in HPT so i wouldnt hv bother u soo much .

thanx for the guidance dear

Tc
Pari

 

Nigu

okkkkk..now i got this point tht pvt ins wont cover me if i m pregnant right now .....hmmmmm thn i think there is no need to take ne maternity insur right now ,as u said earlier .i misinterpreted ur previous point on this.as i thought with maternity means thy will cover my med expense related to preg.

but now i understood tht thy wont cover preg.so i think its useless to take any insurance instead better i go for the chk up on our own expense once ,and lets c whts the result or u suggest shud i take the normal basic health insurance ,which one should i do?or shud i wait little more for 1-2 HPT in coming weeks?
i will try to find some nursing home to get me preg confirm first thts imp.if i m nt preg i m not much worried as i can wait also for the chkup .

thanx alot dear for this info.
Pari

 

yeah Nigu,

Evn i decided to take normal insurance atleast till jul.and about preg i will soon b taking appointment for the blood test .as only blood test can tell whts exact result.

And i m really thankful to u for ur help in deciding with me and replying as early as i needed.i really felt like i m talking to a frnd just face to face .

Thanx alot dear
may god bless u
and b gud

TC
Pari

 

yeah surely dear ,i will tell u 4 sure