Having a baby can be one of the most special times of your life. It can also be incredibly expensive in terms of health care. Before you have a baby, or get pregnant, you need health insurance, and you need to know what to look for in health insurance for when you are pregnant or expect to be!
Before You Get Pregnant
If you are not yet pregnant, but you are planning a pregnancy, you will need health insurance well in advance of the pregnancy. Many insurance policies will not cover a pregnancy that occurs within a certain time frame of purchasing the policy. Find out how long you need to have the policy before getting pregnant.
If you wish to use a midwife, you will need to see if your insurance covers this. Many policies will cover birthing classes as well, but you will need to make sure that this is the case for your particular policy. The policy should cover doctor visits during the pregnancy, lab work, hospital care, and the care of your newborn as well.
If You Are Already Pregnant
Finding coverage if you are already pregnant is much more difficult – and much more expensive. If you are already pregnant, you will have to find a policy that covers pre-existing conditions, including pregnancy. Do not make the mistake of purchasing insurance without informing the carrier that you are pregnant, and then trying to pass it off like you did not know you were pregnant – whether you knew or not, the policy probably will not cover you.
One of the first things that you should consider is that your doctor is under no obligation to accept the insurance that you have. Before you purchase insurance – whether you are already pregnant or not – find out what insurance your doctor accepts.
Whether you are already pregnant or planning to get pregnant, it is also a good idea to purchase a health insurance policy that not only covers your pregnancy, but that also covers the care of the baby – before and after it is born. Make absolutely sure that the baby is covered. Do not make the mistake of just assuming that it is automatically covered!