It seems like these days the only way to get health insurance maternity coverage is to get it through an employer-sponsored plan. Some people, however, do not work for a large employer who is required to offer such a plan to full-time employers. They may be self-employed or work for a smaller employer who isn’t required by law to offer this type of coverage. Others don’t work full-time hours and are not eligible for an employer-sponsored plan. If you fall into the group of people who are not able to get coverage for your pregnancy care and labor and delivery expenses, you may find yourself in quite a quandary.
Individual health insurance maternity coverage
Health insurance maternity coverage on a self-employed plan or individual policy is a rare thing. There are a few plans that do offer this coverage, and these are usually very expensive plans to pay for. It can be difficult to find such plans, and when you do find a few, the options can baffle you. Some plans require that you carry the policy for so many months before the maternity coverage goes into effect or before your pregnancy can be covered. There are many different kinds of policies to choose from, and the options can be quite confusing. There are many different options to consider as you plan your pregnancy.
Compare several quotes
Having a baby is a joyful part of life, and every part of it should be enjoyable. This includes finding health insurance maternity coverage. If you have been trying to locate such a policy yourself or if you are just starting out on the endeavor, take the hassle out of shopping around for the right policy for you and put the services of an insurance broker to use. Such brokers are knowledgeable of the various options available in the market today and can quickly and easily steer you into the plan that is right for you and your growing family. Please enter your zip code and information in the form on the top of this page to receive free quotes.
Getting a health insurance maternity plan together
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.
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