How Do I Get “Baby Bargains for Clothes, Furniture, Toys and More?

Just a quick note to start off today’s post. We had our son last Monday the 6th. He weighed 7 lb 15 oz and was 20 inches long. We are home and off to a good start. With hospital bills on my mind I thought a follow up post to last week would be the insurance aspect of things. We are fortunate to have very good maternity coverage included in my wife’s plan from work. That is not the case for everyone. I’ve read that as many as 13% of pregnant women have no insurance. With the looming healthcare and economic crisis I would guess that number is slightly larger today.

If you cannot afford maternity coverage, your maternity coverage isn’t very good, or are already pregnant and therefore cannot add maternity coverage, here are my top 3 suggestions for ways to find baby bargains for maternity and delivery.

1. Talk to the hospital financial office. Many hospitals offer payment plans or even sliding scales based on your income.  Most people don’t even know they are available so they are not often utilized.

2. Consider other maternity plans that are not true insurance. Because they are discount plans instead of insurance, pre-existing conditions do not matter so you can apply even when pregnant. The top plan specializing in maternity coverage is Maternity Advantage (http://www.maternityadvantage.com). Another source that offers broader coverages, but slightly smaller discounts for pregnancy can be found http://www.ameriplan.com. Another interesting concept is one in which the total bill for all members is equally divided so you help pay when others need it most and they help when you need it. The idea is that you end up paying far less than a traditional insurance plan.  This can be found here http://www.medi-share.org.

3. Finally, if you are having a healthy, normal pregnancy consider using a birthing center instead of a hospital. The average cost of prenatal care and delivery via a birthing center is about half that of a hospital. Birthing centers offer similar payment plans and sliding scales that hospitals offer. Some are even attached to the local hospital so that in the unlikely event of an emergency, mother can be quickly moved to the hospital. Clearly, this isn’t for everyone. Many people chose this option to have a more natural birth as opposed to the financial benefits. To read more about this and search for a birthing center in your area go here
http://americanpregnancy.org/labornbirth/birthingcenter.html

Baby bargains can be found in many areas…even insurance.

If you want to be notified when our Guide to the Best Baby Bargains is available please send an email to josh@mommydaddysavers.com

Tags: Baby Bargains, insurance, maternity coverage

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