26 Jun 2017

Plan Your Pregnancy To Lower Health Insurance Costs

Plan Your Pregnancy To Lower Health Insurance Costs

By strategically planning your next pregnancy, you’ll ultimately save money when it comes to your health insurance. We all know that a pregnancy can be quite costly, as the medical bills can quickly accumulate, especially if certain tests, medications, and multiple doctor visits are required. Here are a few tips to help save money if you’re thinking about getting pregnant in the near future.

Timing Is Everything

Almost all insurance companies in the U.S. follow the calendar year. This means you typically pay a deductible on January 1st and are covered throughout the entire year. Statistically speaking, pregnancies that span two calendar years are more expensive. According to a New York Times article, many women have unknowingly carried their pregnancy into a new calendar year, meaning they’re forced to pay for a new deductible but for the exact same pregnancy. Therefore, it’s advised to conceive your pregnancy between the months of January and March, which ensures you’ll give birth within the very same year.

Ultrasounds, Blood Work, And Tests

A pregnancy is typically divided into three semesters, with each period requiring a different range of tests and scans. In 2017, it’s common practice for all pregnant women to get an ultrasound in order to check on the condition of the fetus. These scans can cost anywhere from $157 up to $7,566, according to NerdWallet. It’s also important for pregnant women to take prenatal vitamins, which contribute to the developing health of her baby. The cost of these vitamins varies, but over time, they can definitely take a large chunk out of your wallet if you’re uninsured.

It’s also normal to take multiple blood and tissue samples from both the mother and fetus during the entire pregnancy. These samples are able to test for certain abnormalities such as Down syndrome, sickle cell anemia, and cystic fibrosis. These tests are typically covered under your health insurance plan, but it can be quite pricey if you’re paying out-of-pocket.

Giving Birth Is Costly

According to NerdWallet, it can cost quite a bit of money just to deliver your baby. For example, a vaginal birth without any complications costs on average $2,200 in the U.S. while a C-section can cost $2,700. These prices fluctuate depending on your state and hospital. If we look at San Francisco, the cost of a vaginal birth is higher than the national average, ranging from $3,296 to 37,227 considering the hospital you choose.\

Having A Child Is Expensive

After you give birth to your child, the medical expenses continue to accumulate. In the first few months, your newborn will require multiple check-ups with the pediatrician and a range of vaccines. If your child is born between September and December, you can fit in a handful of visits to the doctors before paying for the new deductible in January.

In order to remain calm and save a bit of money, it’s best to plan out your pregnancies to properly compliment your health insurance. Some professionals go even further by saying you should conceive specifically on Valentine’s Day, which is optimal because it ensures you’ll give birth during the same year and reap the full benefits of your medical coverage. For more information regarding this topic, you can always count on HealthQuoteInfo for the latest updates and the best insight.


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