We activated our site in July and in Sept. 2007 I was contacted by a wonderful woman who came out to meet us in October. We all formed a great relationship and here we are with a beautiful baby boy who was born in early January. We are so grateful to her for giving us this beautiful son. We plan to see her and her family again and are thankful to ParentProfiles.com more ...
Having a baby can be expensive. Your months will be filled with doctors' visits, tests and labs, and hospital visits and stays. These things aren't cheap and can add up very quickly. While it may seem overwhelming to think of the monetary total of your pregnancy and labor and delivery, it's important to know that there are resources and organizations available that can provide you with financial assistance and support. While exploring your financial options during your pregnancy, remember that you have no reason to be embarrassed or ashamed of seeking assistance or asking for help. The below programs were designed to help you stay afloat and help you get back on your feet. Every available program may not be ideal for you, but chances are that at least one will prove beneficial for your exact situation and your specific needs.
Insurance: Having medical insurance can greatly reduce your financial responsiblity during the coming months, but it all depends on your coverage and your plan details. Even so, you'll be responsible for a copay with each doctor or hospital visit. And you'll still be responsible for paying your deductible and anything else not covered by your insurance. As soon as you're aware of your pregnancy, make sure to speak with a representative from your insurance company. If you're currently uninsured, you may qualify for state medical insurance. Even if you're right on the line of eligibility, it doesn't hurt to apply or talk to someone there about your situation. If you're not eligible for full coverage, you may be eligible for a discount plan.
Payment Plans: Many doctors, clinics, or hospitals offer payment plans to those who need a little extra help. While in most cases you'll be responsible for the entire balance, a payment plan allows you to pay each month or week rather than pay the entire sum at once. It makes your medical expenses more manageable. If your doctor or hospital allows you to begin a payment plan, do your best to stick to it. If something happens and you're not able to make your payments, call them immediately and explain the situation. They may be more willing to work with you if you keep them informed about your financial situation.
Government Assistance Programs: To help mothers in need, the government has set up a variety of programs that will help ease some of that stress. Due to the economy and other financial factors, many people are taking advantage of the USDA Food Stamp program available in every state. While pregnant, you need to ensure that you're taking care of both you and your baby.
Community Assistance: Many communities have funds or a list of volunteers that can help you during this difficult time. If you need to, turn to your community for help, support, and assistance. If your community doesn't already have an established program, encourage community leaders and representatives to start one. Also, if you find you don't qualify for state medical assistance, you may be able to find free medical care services in community-based free clinics. Free clinics will generally be able to help you with your prenatual check-ups and overall prenatal care. However, they don't generally provide in-hospital consultations. You may find that when it comes time to deliver your baby, you'll need to go to a state funded public hospital and work with a physician who is unfamilar with your care and case. You may also find that local businesses and other organizations in your area are willing to help. Often, assistance offered this way is not given in the form of financial assistance, but instead is given in form or services, such as free housing, job training, or medical referrals. In addition to any help you might get from the state, it's wise to familiarize yourself with local community resources, so you know where to turn if you need help.
Charitable Organizations: If you've utilized all of the services available to you and still find that you're falling short, consider contacting local and national charitable organizations that have been created in order to help expectant mothers in need. Many charitable organizations that provide goods and services to women experiencing an unplanned pregnancy also provide parenting and adoption resources.
Adoption Agencies: If you've decided that adoption is a viable option for you and your child, speak to an adoption professional about any possible expenses. Adoption professionals and even hopeful adoptive families might help with various medical and living expenses. However, this will vary by state. Remember, should you decide to move forward with an adoption plan, the laws for which expenses are allowed to be paid vary by state. This is why working with a reputable adoption professional who is familiar with these laws is paramount.
Financial assistance is available to you; you just have to know where to look. There are programs that can help you during your time of need and can help you get back on your feet. While experiencing an unplanned pregnancy may be difficult, it's important to remember that you do have options.