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Often, one of the most important factors in signing up for health insurance is the coverage provided to women who are pregnant. And, for good reason. Prenatal and postnatal care are vital to the mother’s health as well as the child’s.
Does Covered California Cover Pregnancy?
Yes. Because Covered California realizes the importance of pregnant women getting the services they need as early into their pregnancy as possible, it has made coverage available, depending on eligibility.
What Are the Different Health Care Options for Pregnant Women?
The different types of health insurance available for pregnant women include Covered California health insurance plans and the following Medi-Cal programs:
- Presumptive Eligibility for Pregnant Women – entitles temporary coverage up to 60 days.
- Full-coverage Medi-Cal – coverage at no-cost.
- Pregnancy-related Medi-Cal – coverage at no-cost.
- Medi-Cal Access Program – coverage at low-cost.
In some cases you may be eligible for both Covered California and Medi-Cal during pregnancy and immediate post-partum, depending on your income level. Should you fail to meet the Medi-Cal qualifications, you may still be eligible for the Medi-Cal Access Program.
If you have other children who are in need health coverage while you are pregnant, they may be eligible for the Children’s Health Insurance Program (CHIP), if your income exceeds Medi-Cal limits.
How Do I Know If I Qualify for Covered California?
The best way to know if you qualify is to speak with a Freeway Insurance professional near you or by going directly on the Covered California website at www.coveredca.com.
If you meet both Medi-Cal insurance eligibility and Covered California when you apply through the Covered California portal, you will be enrolled in a Covered California health insurance plan, and your application will also be forwarded to Medi-Cal in your county for evaluation – after which you can keep both or enroll in just one.
Your income will ultimately decide for you if you qualify for Medi-Cal or both the Medi-Cal Access Program and covered California. However, unlike with Medi-Cal, you must choose between the Medi-Cal Access Program or Covered California as you can’t have both at the same time.
What If I Get Pregnant After the Enrollment Dates?
Of course, you should take advantage of the Covered California open enrollment period for 2016, beginning November 1, 2015 through January 31, 2016 – but, if you don’t or for some reason can’t, you may still get health care if you have a life event that qualifies you for a Special Enrollment Period, such as having a baby.
How Do I Apply for Covered California?
Applying for Covered California or Medi-Cal can be done in several ways. For Medi-Cal, you can apply the same way you would if you were enrolling in a standard health plan through the official Covered California website. You can also visit your local County Human Services Agency to determine your eligibility for benefits – or you can apply for either Covered California or Medi-Cal by choosing a third option – Freeway Insurance.
To make things easier and to get you through the confusing health insurance maze during open enrollment for 2016, Freeway Insurance, the premier healthcare insurance broker, has partnered with Covered California and some of the nation’s most trusted carriers to help people obtain low-cost or no-cost health insurance. Even better – Freeway’s services and your free health quote are 100% free.
Eligible consumers who wish to apply for Medi-Cal, Medi-Cal Access Program, or CHIP can do so at any time during the year.
Let a knowledgeable Freeway Insurance professional answer all your questions and guide you through the Covered California open enrollment for 2016.