Maternity Coverage and Health Insurance - What You Should Know

Having a baby is an exciting event, but things like picking names, buying clothes, and planning for a baby shower need to come second to maternity coverage. You need to make sure that you have the proper health insurance in place so that you don't wind up with thousands of dollars in medical bills just because you wanted to start a family. Some employer coverage includes maternity care while others will offer it a la carte for an extra charge. There are some insurance companies, although they are rare, that won't cover maternity care at all.

When you are shopping for a maternity health insurance plan, you need to make sure that you get all the coverage that you need. Things that should be covered include:

-Doctor office visits
-Ultrasounds
-Hospital admission
-Diagnostic testing
-Delivery and recovery
-Complications, including premature births and c-section procedures
-Prescriptions for pre-natal wellness and health
-Anesthesia
-Newborn well baby check-ups and shots

If a health insurance plan offers maternity coverage without any one of these elements, you need to keep shopping. While the hospital stay and the delivery are going to be the most expensive, you still don't need doctor bills piling up or to miss out on vitamins and medications that you need because you cannot afford them.

Maternity coverage is designed to offer care from conception until birth, as well as covering the baby's wellness check-ups for the first few months of its life. Once the maternity coverage has run out, you will have to switch your child to your regular health insurance so that they can continue to get coverage as a dependent. Having maternity coverage entitles you to so many different benefits that you cannot do without.

One option that some newly pregnant women have is state-funded assistance programs. Some states mandate that programs are in place for pregnant women and their medical care, while others will only offer assistance to low-income women who become pregnant. Either way, there are options available other than private health insurance for people who need them. In order to make the most of your maternity coverage, you need to explore all of your options and choose what is best for you. If you are in the planning stages of getting pregnant, you should get insurance as soon as possible to avoid the risk of waiting periods that may be imposed before you can benefit from the maternity coverage that you purchase.

If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance.