First and foremost, if you are planning on becoming pregnant, you need to make sure you have health coverage that includes maternity insurance. If your bundle of joy is unexpected and you find yourself without insurance, you are not alone.
Approximately 13% of women who become pregnant each year are not insured. The sheer joy of being pregnant can quickly turn to feelings of anxiety and financial burden unless you have maternity health insurance to help defray costs and keep nerves from fraying.
Fortunately, we can help. If you’re thinking about having a baby, insurance may be the last thing on your mind. But you can save yourself a lot of money, and buy yourself some peace of mind if you take a few minutes to investigate whether you should buy maternity insurance. Even if you already have health insurance, it may not cover some of the expenses associated with pregnancy. When you are pregnant, you will probably make many visits to your doctor, maybe as often as twice a month for the whole nine months of your pregnancy. Check to see if your current health insurance covers this many visits. Women whose insurance does not pay for multiple doctors’ visits during pregnancy sometimes skip visits to save money. But this can create problems for both you and your baby. Health Insurance and Prenatal Care Many women who do not have pregnancy coverage put off going to the doctor for prenatal care, an essential step in having a safe and health pregnancy. Uninsured pregnant women wait until the second trimester or later to begin prenatal care. To protect your health and the health of your baby, you should see your doctor as soon as you learn you are pregnant. Early, consistent prenatal care is the best way to avoid any problems that may come up with your pregnancy.
Maternity insurance covers this type of attention. Of course, you will also have a large hospital bill when you have your baby, and you may need to make several visits to your doctor after your child is born. Some health insurance plans cover all or most of these expenses, but others do not. It pays to find out just how much is covered as soon as you learn you’re pregnant. Unfortunately, not every pregnancy goes smoothly. Complications for the mother or the baby can run up huge hospital bills. If you or baby needs special care, you don’t want to be thinking about how to pay for it. In these situations, maternity insurance can put your mind at ease.
Look for a plan that places few restrictions on the treatments it covers. Remember, though, that maternity insurance covers only expenses related to your pregnancy. It does not cover other health problems you may have. The best time to buy maternity insurance is before you are pregnant. Some companies offer maternity insurance to women who are already pregnant, but some do not. To keep your options open, look into getting maternity insurance as soon as you start to consider becoming pregnant.
If you cannot afford private maternity insurance, you can apply to a public program for help with the cost of your pregnancy. All states offer some type of maternity health care assistance, either through Medicaid or through some other plan designed specifically for pregnant women. Be sure to take advantage of all the services you are entitled to. Your state may offer nutrition assistance and educational services in addition to paying for medical care.
Society has a vested interest in healthy babies and mothers. And that’s all society, because unhealthy babies and mothers impose a cost on everybody — in the expense of caring for them as wards of the public, and in the waste of social resources that comes from children unable to reach their full potential as members of society because of injuries or illnesses caused by poor prenatal and postnatal health. Child mortality rates are among the most important indicators of a nation’s overall health profile, and the U.S. rate stinks compared with the rest of the industrialized world’s — at 7 deaths of children under age 5 per 1,000 live births, it’s worse than Israel’s, South Korea’s, Japan’s and every Western European nation’s. That’s why maternity and newborn care and pediatric services are among the 10 health benefits that Obamacare requires to be part of every health plan. Some of these benefits are so important, they’re required to be among the free benefits of catastrophic health plans that may be sold to individuals under the age of 30. They include anemia screening for pregnant women and folic acid supplements for women of childbearing age.
Society has a vested interest in healthy babies and mothers. And that’s all society, because unhealthy babies and mothers impose a cost on everybody — in the expense of caring for them as wards of the public, and in the waste of social resources that comes from children unable to reach their full potential as members of society because of injuries or illnesses caused by poor prenatal and postnatal health.Child mortality rates are among the most important indicators of a nation’s overall health profile, and the U.S. rate stinks compared with the rest of the industrialized world’s — at 7 deaths of children under age 5 per 1,000 live births, it’s worse than Israel’s, South Korea’s, Japan’s and every Western European nation’s. That’s why maternity and newborn care and pediatric services are among the 10 health benefits that Obamacare requires to be part of every health plan. Some of these benefits are so important, they’re required to be among the free benefits of catastrophic health plans that may be sold to individuals under the age of 30. They include anemia screening for pregnant women and folic acid supplements for women of childbearing age.
Universal coverage is the only way to make maternity coverage affordable. Up to now only 12% of policies in the individual insurance market offered maternity coverage. Those that offered the coverage often did so as separate riders imposing huge deductibles for maternity care alone — $5,000 for maternity services, according to a 2010 survey by the House Committee on Energy and Commerce, and limits on benefits of only a few thousand dollars. The cost of maternity and newborn care is the principal reason that, pre-Obamacare, women were systematically charged more for health insurance than men.Because insurers pitched maternity coverage in the individual market only to buyers of childbearing age, the premiums were high and they still made almost no money on them. One company internal memo reviewed by the committee stated that its loss on maternity riders came to 90% of income, a money-losing ratio,” the memo said.But that’s what happens when you sell an insurance benefit to a narrowly defined market. Without the cross-subsidies inherent in a large pool of insured people, no single coverage is affordable to those who specifically need it.
Do you know if your child needs counseling? Child counseling refers to encouraging them and shining a light on their capabilities.
Also showing them their strengths through various therapy techniques.
It is very important that kids get counseled in order to rectify some of the awkward behaviors they may develop in their early life.
The child will learn discipline. They will also learn how to give and receive respect. It is recommended that all children receive some type of counseling at the right age.
These are a few factors to consider before counseling your child:
-The therapist that will counsel your child
-The reasons your child needs counseling
-The expected outcomes
-The age to counsel your child
If you take these factors into consideration it will be easy for you. Find the right therapist and have clear expectations.
Waste no time because your child needs you now more then ever. Next, ask yourself these questions.
Why should you counsel your child?
You should counsel your child. The main reason being there are behaviors your child shows that don’t fit in with society. Child counseling services will prepare your children to perform better in school.
It will help them perform better under emotional stress. Child counseling services may also change the child’s attitude by reducing problems with authority or anybody else they interact with.
Another reason for child counseling is to help them recover from a trauma. This may have been sexual or physical abuse. They will be able to re-stabilize after a psychiatric crisis.
All positive behaviors will increase. Their social skills will be strengthened and self-esteem will rise. As a result, your child will do better as an adult and be able to function in the real world.
When should you counsel your child?
There is no specific time to counsel your child. Although, your child counseling services start as early at 2 years old.
When you start to see uncommon behaviors this is a time to consider child counseling services. Your child may be underperforming and this may be due to peer pressure from friends.
Drug and alcohol abuse may also be indications that child counseling services may be necessary. Anything from rape to loss of parents are cases where counseling is recommended.
Once they are counseled they will find that they fit better into society. They can socialize and live a happier life.
Again, remember there is no age specific to child counseling services but the earlier you recognize bad behaviors the better.
Who should counsel your child?
Finding a professional therapist that you trust is highly recommended. Your child’s future is at stake. You need someone who is not only qualified but experienced.
Give the therapist a full evaluation and consider meeting some of their patients. This way you can find out how much they have progressed.
If there have been improvements, then it is safe to say you should use that therapist. If not, do more research and consider all the questions necessary. You want your child to grow up with a clear conscience and have great morals.
Don’t let them suffer one more day. If you notice anything out of the ordinary, give a therapist a call. Also, don’t settle for just any therapist. Your child is special and needs special attention.
Find the right one who can correct their path ahead of time. These should have all the right credentials and have done many child counseling cases in their counseling history.
Call your local child counseling services agency today. They can guide you to a solution.
Live counseling an excellent treatment for emotion and mental health concerns.
To be able to reap the full benefits from counseling, you need to choose the right counselor, one that is skilled and will make you feel comfortable.
The counselor should be able to offer you the best service to resolve your problem.
An experienced counselor is better able to understand your concerns and can offer you solace and mental peace.
How Can Live Counseling Help You?
There are many ways in which counseling will be able to assist you. First of all, it will make you feel better after sharing your problems with an experienced counselor.
It can and will, with the proper sessions, heal your mind and reduce your stress.
Live Counseling will be more effective and helpful once you find a good and caring listener who will understand you and will offer the required service in a friendly manner.
The counselor will be able to provide adequate advice that will suit your needs and will have a positive impact in your life.
When is the right time to decide whether or not we should seek help from a counselor?
We need a counselor when we lack any other emotional support from our friends and family members and we are finding it difficult to manage the emotions and stress on our own.
Hence the reason why you should choose a service that is cordial, caring and friendly.
Anyone who is suffering from stress and emotional turmoil should consider seeking the help counseling.
Your counselor is not required to have a certificate to be able to provide this type of counseling.
You can seek the help of a counselor if you are suffering career failures, marriage issues, child related issues, old age problems and any other issue that might be causing you to feel frustrated, worried and/or helpless.
You will be able to see the benefits and progress of live counseling if you choose the appropriate counselor.
How to find the right counselor?
You will have to do thorough research in order to be able to find a well-qualified therapist that will be able to asses and treat your mental health.
An experienced, friendly and trustworthy are a few of the top qualities that your counselor needs to possess.
If you are comfortable, seek advice and recommendations from your friends or people with similar needs to get obtain the right therapist for you.
The following are few factors that should focus while looking for a counselor.
• Experience
This is extremely important. An experienced counselor will be more capable at understanding your problems and will be able to treat them in a better way.
He will be able to recommend best course of action.
Different counselor focus on different areas of practice.
It is wise that you understand the needs that you have and then choose a counselor based on those specific needs.
If you are worried about your marital life and are having issues, then you should seek a marriage counselor.
If you are having problems or doubts in your career then you should look for a career counselor.
• Inform yourself about the different treatment types and options available to you.
There is a wide and diverse variety of mental disorders which makes getting the right treatment crucial.
Learn a bit about all the types available to your needs and decide which type of treatment will be best for your needs and comfort.
• Easy Accessibility
Whatever option you choose, choose one that is easily accessible. You should have the ability of being able to contact your counselor anytime that you need.
Having your counselor available to you will help you work through situations that may be out your reach.
• Types of Therapy
There are different types of therapy, each focused on specific needs.
For instance, individual therapy is focused on solely you.
It is aimed at treating mental and emotional disorders that have risen due to prior personal experiences.
Group therapy is often when a number of individuals suffer through the same struggle.
It is aimed at giving emotional support to those that may otherwise not have it.
Family therapy is, as its name suggests, is focused on family issues.
Couples therapy is mainly focused on personal relationships, as well as marriage counseling.
As mentioned above, live counseling can be applied to any kind of mental disorder. If you, a relative or a friend, is going through emotion and mental turmoil and are looking for medical help, it is recommended to first seek the help of a counselor.
Medication cannot resolve your problem completely and it has many negative side effects that may aggravate your condition. Go to a counselor to obtain treatment and therefore the solution to your problem and get some peace of mind.
