{"id":131,"date":"2015-11-04T23:36:11","date_gmt":"2015-11-05T07:36:11","guid":{"rendered":"https:\/\/www.avawomen.com\/blog\/?p=131"},"modified":"2018-11-26T11:47:06","modified_gmt":"2018-11-26T19:47:06","slug":"insurance-considerations-while-ttc","status":"publish","type":"post","link":"http:\/\/www.avawomen.com\/avaworld\/insurance-considerations-while-ttc\/","title":{"rendered":"Insurance Considerations while TTC"},"content":{"rendered":"

Even if you\u2019re not yet pregnant, it\u2019s a great idea to take a look at your insurance options to plan ahead for when you\u2019re expecting. This is the time when you can familiarize yourself with your health, disability, and life insurance options. It\u2019s also wise to make any necessary changes now \u2013 prior to becoming pregnant \u2013 because some policies may consider pregnancy to be a preexisting condition. In the US, this means that if you don\u2019t currently have health insurance and you have to purchase it on your own (not through an employer), an insurance provider doesn\u2019t have to cover your preexisting condition<\/a> such as pregnancy \u2013 which could result in tremendous uncovered medical expenses that you\u2019ll have to payThat\u2019s why it\u2019s important to address health insurance now, before you become pregnant.<\/p>\n

Find out what your current health insurance provider covers in terms of prenatal care, birth, and infant care. If for some reason you currently do not have health insurance or it\u2019s delayed, you may want to hold off on TTC until you\u2019re covered to prevent any unforeseen medical costs.<\/p>\n

When researching health insurance, you may also want to look into fertility treatments. In the U.S., coverage for infertility treatments (such as artificial insemination, surgical procedures, and medications) varies by state, but only 15 states currently have laws<\/a> that require any kind of insurance coverage for these types of treatments. While you may not have the need to consider infertility options if you\u2019re just starting out in TTC, it\u2019s good to learn about your choices according to your location and insurance provider so that you\u2019re prepared if the need should arise.<\/p>\n

If you currently don\u2019t have health insurance and you live in the U.S., you may qualify for Medicaid. You may also be able to seek low-cost, free, or \u201cpay-what-you-can\u201d care at certain women\u2019s health care centers or within health service organizations such as Planned Parenthood.<\/p>\n

If you\u2019re the primary provider for your family or if you are a single prospective parent, now is also a good time to research disability insurance options. Because you and\/or your partner depend on your income, it\u2019s important to know that should any complications arise during your pregnancies, you\u2019ll still be able to receive pay from disability if needed. If your employer\u2019s coverage for either long- or short-term disability seems inadequate to you, it\u2019s possible to shop around for private coverage as well.<\/p>\n

While you may never have considered life insurance before, it\u2019s an important aspect to consider when you become pregnant. Having the peace of mind of knowing that your dependents would have financial stability should anything ever happen to you is invaluable. Although you might think that it\u2019s too early to start shopping for life insurance now<\/a>, it\u2019s a good idea to do so while TTC (and before you become pregnant), because if you face any complications while carrying, it may become difficult to qualify.<\/p>\n","protected":false},"excerpt":{"rendered":"

Even if you\u2019re not yet pregnant, it\u2019s a great idea to take a look at […]<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[781,36],"tags":[],"yoast_head":"\nInsurance Considerations while TTC<\/title>\n<meta name=\"description\" content=\"it\u2019s a great idea to look at your insurance options when TTC and familiarize yourself with your health, disability, and life insurance options.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"http:\/\/www.avawomen.com\/avaworld\/insurance-considerations-while-ttc\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Insurance Considerations while TTC\" \/>\n<meta property=\"og:description\" content=\"it\u2019s a 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