Coverage for You and Your New Baby
If you are a new parent or expectant mother, good health insurance coverage is more important than ever. You will depend on your health insurance for everything from prenatal and maternity care to pediatric visits and immunisations for your baby.
To avoid surprise medical bills, it’s important to learn the terms of your health insurance coverage right now. You’ll also need to take steps to maintain your health insurance coverage if you lose or quit your job.
Questions regarding Prenatal and Maternity Care
Before you set up your first obstetrician or midwife appointment, it’s smart to figure out what your health insurance will (and won’t) cover. Get answers to the following questions:
- Does your health insurance plan cover prenatal and maternity care?
- Will you need pre-authorization for any of your prenatal or maternity care?
- Must you contact the health insurance company when you are admitted to the hospital for labor and delivery?
- What are the rules regarding in-network and out-of-network health care providers?
- Will you need a referral from your primary care doctor to see an obstetrician?
- What coverage does your health insurance plan provide for prenatal tests?
- How much inpatient hospital time will your health insurance cover after delivery? Will it cover extended stay if medically necessary?
- Does your health insurance plan have an annual reimbursement limit?
Questions to Ask About Coverage for Your Baby
With the arrival of a new baby comes the arrival of medical bills. Ask these questions to cover your health insurance bases, before your baby arrives:
- What is the procedure for adding your new baby to your health insurance plan?
- Will the health insurance plan cover your newborn’s hospital stay? Remember that your newborn’s hospital bill will be separate from your own.
- Will the health insurance cover the costs of a NICU stay for your newborn?
- What are the plan’s rules regarding in-network and out-of-network pediatricians? If the plan provides greater coverage for in-network pediatricians, ask for a directory of in-network doctors in your area.
- Does the health insurance cover well-child care, such as your baby’s first set of pediatrician appointments and vaccinations?