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Simpson Financial Group  Preparing for life’s uncertainties

Pregnant Woman With Her SpouseLife changes very rapidly, particularly when you're pregnant. Perhaps you were working towards having a child or your pregnancy could have been a complete surprise. In either case, this is an exciting and very different time in your life.

You should make sure your health insurance can help you to get through the challenges of a new baby. Does your current health insurance offer prenatal care and cover childbirth?

Take a Closer Look at Your Policy

Most health insurance plans will provide coverage for pregnancy-related needs. However, some policies may offer different coverage than others.

If you are planning to get pregnant, take time to look at your current policy and ensure maternity care is a part of it. Some policies exclude this coverage to keep costs as low as possible. Adding it after you find out you are pregnant can increase your costs significantly. This is also a good time to be sure the policy offers the type and amount of care you need.

What to Consider in Health Insurance Plans

Each health insurance plan offers different types of coverage for prenatal care, childbirth, and care after the child is born. Here are some factors to consider:
  • Does the policy list where you can have your child, including which doctors are available to you?
  • Learn more about the types of childbirth covered. You might see whether a doula and at-home birthing care has coverage.
  • Determine if the policy will cover immediate health needs, such as the need for NICU or a C-section.
  • Most plans offer prenatal care, but what type of care and how often you get care can vary from one policy to the next.
  • Learn more about the type of care you can have in the hospital. This may include how many days the policy provides for in a healthy delivery.
  • Find out what type of care is available to you for concerns such as post-partum depression.
Having a child is a big process with many factors playing a role it. With the right health insurance, you can rest assured that necessary care will be available to you. You will want to take a closer look at your coverage no matter if you are planning to have a child or not.

Simpson Financial Group, Inc. can help you get a policy that meets your needs. Call us at (877) 727-7780 today for a free health insurance quote.
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