Is chba health plan any good? especially for pregnant women?
i am 2 months pregnant and i cannot find health insurance that accepts me. i am in michigan currently and i was offered a heath plan called CHBA health plan. does anyone have it? can some one tell me if its any good? anything i should be aware of?is there any other affordable insurance or health plan that good for a pregnant woman??thank you.
chba is a discount card. If you search the internet you'll find many references to lawsuits and fraud reports against them.Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes… for more information. Many other states are starting to ban these cards.Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.Unfortunately, most companies will not insure you if you are pregnant. That is like buying auto insurance the day after you hit the tree. In fact, in most states the father cannot get insurance either. You should visit a local independent agent. This person knows the market in your area and will know of any insurance companies that will accept you.If that fails contact you state's Childrens Health Care Program (CHIP). This plan will cover your child and you while pregnant but you must qualify within the income guidelines.Source(s):Independent Agent
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