It can be exciting to find out that you are expecting a child. Then, you start to worry. How expensive will it be for you to have your child? Many adults visit the doctor only a few times a year, sometimes even less. For those who are looking for the support they need, health insurance is generally the ideal place to look. Health insurance plans vary, however, most plans will offer some level of prenatal and postnatal care for mom and baby.
Do You Have Maternity Coverage?
Under the Affordable Care Act, put in place in 2014, maternity coverage was listed as one of the 10 essential forms of health benefits that must be provided by a health insurance plan. This generally can offer some type of protection for pregnancy labor and delivery. It will also provide for newborn baby care as well. Most of the time, parents could then need to add the child to their health insurance plan for most extensive coverage. The good news is that most of the time, your existing health insurance can offer the support you need for prenatal and postnatal care.
There are various types of benefits in most maternity coverage plans. These health plans will include, in most cases, the following types of care:
- Outpatient services. This should include prenatal and postnatal visits to the doctor, as well as lab tests, medications, and diabetes screenings.
- Inpatient services. This generally includes the care you receive at the hospital or another recognized establishment. It should include hospitalization as well as fees charged by a doctor.
- Newborn care. This should generally provide for the newborn’s care in the hospital as well as in the week or so afterward (though many plans will provide more extensive coverage as well).
- Mother care. This includes your doctor’s appointments, but also services such as lactation counseling and rental of a breast pump.
If you are planning to have a child, it is important for you to contact your health insurance provider to learn more about the coverage you have. In addition to this, you’ll want to consider upgrading your prenatal and postnatal needs and desires and choose a health insurance plan that best meets your needs.
Protect yourself and your child. Call Simpson Financial Group at (877) 727-7780 for more information on Boston health insurance.