The new baby is on the way! So many things to think about. Sharing the news with friends and family, the super fun baby reveal party, designing a nursery…. insurance. What! Insurance?
Health Insurance (During Pregnancy)
If you are unsure how your health insurance works, now’s the time to research your benefits. Here are some examples of what you need to consider:- Out-of-pocket costs: Copays, coinsurance, and deductibles
- Making sure your doctors are all in your provider network
- Are prenatal care, labor, and delivery covered benefits under my policy?
- Do I need a referral from my primary care doctor to see an OB-GYN or other specialists?
- Will I need pre-authorization for any prenatal care?
- What prenatal tests are covered (ultrasounds, amniocentesis, genetic testing, etc.)?
- What common prenatal, labor, and delivery needs are not covered by my policy?
- Which hospitals in my area are in my insurance policy’s network?
- What do I need to do to ensure that my newborn is covered from the moment of delivery?
- How long of a hospital stay is covered after delivery?
- Does my policy cover a private room or suite, or will I have to share a room?
- If you’re interested in nontraditional deliveries, like a home birth with a midwife, for instance, ask about coverage for these.