Though your current plan might serve your needs, how will it fare when you decide to start a family?  Do you know how your health care costs will change when you have a baby?  It’s a two-tiered question:  the first set of expenses is related to prenatal care, labor and delivery.  Yet, beyond giving birth to a baby, do you know how things will change?  When choosing a health insurance maternity plan, it is imperative to think through the following dimensions.  From there, choose a plan that is aligned with your desired care standard, flexibility, and price.

Prenatal Care. While some women believe that prenatal care is a simple series of visits to the OB/GYN, first time moms may not know there is so much more.  In addition to routine check-ups to check on the health of the mom and the growth of the baby, even normal pregnancies require expensive extras such as high-resolution ultrasounds and genetic testing.

Labor & Delivery. When the media depicts women having babies, it shows healthy women with normal pregnancies delivering their children with doctors.  In actuality, there are countless other situations under which a woman might give birth.  With the average age of pregnant women rising past 35, there are an unprecedented number of high-risk pregnancies.  Many women are also opting to use midwives to deliver.  Do you know how your health plan covers either?

Post Partum Services. After giving birth, many women require other services, such as the help of a lactation specialist or a post partum doula.  What about mental health services for post partum depression?  It is worth finding out where your insurance company falls on these.

Pediatrics. Any good health insurance maternity plan includes a focus on pediatrics.  When baby is born, you will trade your OB/GYN for your pediatrician.

Click Here To Find Out Your Health Insurance Maternity Choices!

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