In an ideal world, pregnancy is always planned and suits your financial situation. Yet, real life is full of surprises and contingencies.
Although pregnancy is a blessing, thousands of women find themselves unprepared for it, both mentally and financially. And it’s no wonder. Giving birth to a child and raising them requires a lot of effort and financial investment.
In this article, you can find many tips on how to get ready to give birth to a child with peace of mind. Here we will talk about the financial side of pregnancy and the postpartum period.
Pregnancy can always be associated with rising costs, therefore the need for cash assistance for pregnant mothers rises dramatically.
That is why we will cover various government programs that can help pregnant women and low-income families with children.
What to Do If You’re Pregnant and Need Help with Money?
First of all, you need to calm down. From the moment it happens, you are responsible for your child and need to keep track of your mental and physical health.
Although the problem needs to be solved, take a deep breath and try to approach it without panicking. Fortunately, you don’t need to struggle alone.
Many charity organizations, along with government agencies, are always ready to lend a helping hand to low-income women who need pregnancy assistance.
What Cash Benefits for Pregnant Mothers Can You Get?
There are two common forms of aid that pregnant women can access: government assistance and other forms of aid. Let’s look at the programs available.
Federal Government Programs
There are several federal programs that provide financial help for pregnant women. Although most of them are funded by the government, some may require you to turn to your state’s federal agency to apply.
This program provides medical assistance to low-income pregnant women and needy families. To be eligible, you need to meet the income cap.
Also, your household size and immigration status can play a role. You can learn more about the program by visiting the Medicaid website.
Children’s Health Insurance Program (CHIP)
CHIP is another government program. It is offered to pregnant women and families whose income is too high to qualify for
Medicaid but still not enough to afford private coverage. With its help, you can get health coverage while you’re pregnant and 60 days after you give birth to your child.
Special Supplemental Nutrition Assistance Program for Women, Infants, and Children (WIC)
The WIC program is a government aid that provides food assistance and nutritional education. It was designed specifically for pregnant and postpartum women.
It’s very important for you to eat healthy foods while you’re pregnant. That is why this form of support is the one you need to always keep in mind. WIC provides you with checks, electronic cards, and vouchers that you can use to purchase food and improve your nutrition.
WIC benefits are available throughout pregnancy and six months after you give birth.
Supplemental Nutrition Assistance Program (SNAP)
SNAP benefits are available to low- or no-income families that meet eligibility requirements. This program provides needy people with debit cards that they can use to pay for groceries at SNAP-authorized retailers.
Each state may have its own eligibility and application forms. For more information, visit the SNAP website.
Temporary Assistance for Needy Families (TANF)
If you have one and more dependent children, you can get temporary financial assistance. It can be used to buy food and clothing, pay rent and utility bills, or purchase medical supplies.
The idea is that they will help you financially while trying to find a job for you. However, the TANF program can also assist pregnant women with no money who are in their third trimester.
Learn more about your opportunities by visiting the TANF website.
This program was created to provide housing assistance to those who are homeless or can’t cover their rent payments on their own. This Housing Choice Voucher Program can help you cover your rental expenses.
To qualify, you need to be between 16 and 22 years old.
Free Child Care Assistance
If you are a young mother, you may worry about how your future studies and career will turn out after the birth of a child. This program is created for such situations.
With the help of Free Child Care Assistance, it will be easier for you to return to your career and education path.
Other Forms of Financial Aid for Pregnant Women
Those pregnant women who can’t qualify for financial assistance offered by the federal government can consider several more options.
Local Charity Organizations
Shop around and learn more about charity organizations that offer assistance to needy families and pregnant women. You can also use the Guide Star website to find a charity in your area.
If you don’t know where to start, contact religious charities first. They often provide support to pregnant mothers in order to help them reduce financial pressure and prevent abortion.
Various donation-based platforms, such as GoFundMe, can also be a great option for low-income families. You can set up a campaign there and raise some money from caring people who are eager to help.
With the help of crowdfunding platforms, you can get the funds to cover your living expenses or buy everything you and your baby need for the first time.
There are also many people who are ready to help pregnant mothers with covering their hospital bills or providing some free baby stuff.
To be honest, this is not the best option for those who already experience financial difficulties. Although financial institutions are willing to give money to eligible customers, this is a form of temporary assistance that must be repaid within the agreed period of time.
More than that, you will be asked to pay back more than you obtained due to interest charges. Thus, you can face an increased financial burden.
However, you can give it a shot if you have a steady income and need money to overcome temporary difficulties. But make sure that your monthly payment amount fits your budget.
“Although I’m working in the lending industry, I always advise pregnant women to look for government assistance before getting an online cash advance.
This is because loans for pregnant mothers are not grants. They must be repaid. Thus, they can result in more financial hardships when they are obliged to repay them over some time.
You can use them as a last resort and only when you’re sure you can repay the money.” – says Latoria Williams, the CEO of 1F Cash Advance.
What Do I Need to Get Financial Help for a Pregnant Woman?
Eligibility requirements mostly depend on the program you want to apply for. There are also various local criteria based on the state you live in.
Thus, you need to check with your state’s and program’s eligibility guidelines first. However, there are some common requirements you will be asked to meet:
- Be a US resident or non-resident who has lived in the US for 5 years or more;
- Confirm that you’re pregnant;
- Prove your family income is at or below the poverty level asserted in your state.
Where to Apply for a Cash Assistance Program for Pregnant Mothers: List of Organization
Most programs require you to turn to your federal state agency to apply. Here’s the list of organizations that provide financial assistance for low-income families:
- US Department of Health and Human Services;
- US Department of Agriculture;
- Centers for Medicare & Medicaid Services;
- US Department of Housing and Urban Development;
- Health Resources and Services Administration.
Bottom Line – How to Get Cash Assistance While Pregnant?
For women facing unplanned pregnancies, the road ahead can feel uncertain and overwhelming. And of course, there are multiple challenges that come with pregnancy and add financial stress.
You need to take a deep breath and realize that you don’t need to walk this way alone. There are various options available to help you navigate this journey.
One aspect of that support can come from assistance programs designed specifically for pregnant mothers.
Remember that you’re not alone in this. There’s always help available to you, and you don’t need to be afraid to ask for it.
Take a deep breath, and reach out to explore the options available to you. Your focus should be on ensuring the health and well-being of you and your baby.
Luckily, these programs can help ease some of the stress and burden during this special time.