Pregnant

Pregnancy is an automatic decline for all major insurance carriers. Here are 5 individual health insurance alternatives you may want to consider:

1) Group Health Insurance

Many employers offer group coverage to their employees. So, if you have a job or can get a job, you may be able to participate in your employer's group insurance plan. However, there may be a one year prior condition exclusions. If you have been employed within the last 60 days you may be eligible for continuation of your employer's group health plan under COBRA.

If you are a small business owner, or, working for a small business, you or your employer may want to consider securing a group policy. Please call (214)227-8735, or email vern@vernbellagency.com, if you would like to discuss a small business group policy.

2) The Texas Health Risk Pool. This is expensive. But, it's the only option for some. Here's a link:

http://www.txhealthpool.org/index.html

3) Medicare. If you qualify for medicare, this may be your best option.

4) Medicaid. If your financial circumstances warrant. You may qualify for this option.

Here's a link that can help you explore your options under Medicare and/or Medicaid:

http://www.cms.hhs.gov/

5) A negotiated discount network. By joining a powerful network of soon to be mothers you can gain access to resources and negotiating power once reserved for only the largest insurance companies. Finally someone is on your side. Read the following articles and view the ABC News video to learn more about this powerful alternatie:

Wall Street Journal
CBS Market Watch
ABC News Video

Click on the AHCO Direct icon below to get further information or to apply for the Maternity Card from AHCO: