subject: Don't Assume That Your Health Insurance Automatically Covers Maternity [print this page] Many people just assume that along with their health care coverage comes maternity care. Now in most cases those who have a group health insurance policy or are covered through their employer do have this coverage. If you are thinking about starting a family then you do need to really investigate this issue before you get pregnant. Even insurance policies that offer maternity coverage don't all cover pregnancy and birth at the same rate and even if you have coverage you may want to choose to pick up a supplemental plan to help cover the costs of child birth.
There are differences in the types of group insurance that people have. Most will cover what is known as a normal pregnancy without complications. Private insurance though is different. You will usually need to specify whether or not you want this coverage and it will cost more to have it also. Checking this out is smart pregnancy planning. This is one of those things you will want to know well ahead of time because there will be a waiting period.
There is Medicaid available just for lower income pregnant women. It is a wonderful option for those that find themselves with an unplanned pregnancy. The US government wants to give those tiny Americans a chance and therefore makes it easy for people to qualify for this help and assistance. Medicaid info can easily be found online.
The fact that maternity coverage is not something that will be on every policy is good to know. For women of a certain age it really should be. Even if you are not currently planning on starting a family just yet. If you get stuck without it then you will be liable for a whole lot of out of pocket expenses. That alone can be very stressful when you have a pregnancy and all that it entails going on.
There is no one that should be walking around without some kind of insurance coverage. It is especially important for people that are considering having children to have maternity coverage before they make the attempt. You want to have the best possible care and to get whatever that new baby needs.
by: Ethan Kalvin
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