If you are currently pregnant, and you have no health insurance, there are only a few options available to you. Ameriplan is not actually health insurance, but is a company that can help you save some money on your medical bills.
What is Ameriplan? It is a medical health care coverage program. There is a sign up fee, and you will be required to pay monthly membership dues. The dues are small. This gives you access to a network of discount health care services. You can use the program for 30 days, and evaluate if it is helping you save money. If not, there is a money back guarantee, which will give you back the money you spent on this plan.
Again, this is not a form of health insurance, even though it sounds like it. When you visit a doctor, you will be expected to pay at point of service for the cost. Ameriplan can help you to get a lower cost, but you are still responsible for paying for it yourself. You cannot fill out a claim form and send it to Ameriplan, as you might do if you had real health insurance. In fact, this company strongly advises against canceling your current health insurance in favor of switching over to them. They also suggest that go find out if you qualify for Medicaid before you join their plan.
Health care is extremely important, and this is especially true in the case of pregnancy. All kinds of awful things can happen to a woman, and her growing baby, if neither of them receive medical care. It is not something to be taken for granted. So, if you have absolutely no other options, you might consider Ameriplan.
They offer prenatal and maternity coverage. The prenatal coverage gives you prenatal care visits through the network, and lab work, for a reduced price. The maternity coverage gives you access to an in network physician program, and also to an out of network physician program. You get your own Patient Advocacy Team to assist you. You get diagnostic and lab work from within the network for a reduced price, and access to a 24 hour nurse hotline.
Ameriplan does not only assist pregnant women. They also offer health care and dental care to families and individuals who use their program. They have a Family, Infant, and Toddler program that can provide more assistance. It’s not health insurance, but it might help you with the cost of medical care if you don’t have any other options available to you.