Sunday, December 6, 2020

What to Look for in Pregnancy Health Insurance

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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.

Other Considerations

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!

1 COMMENT

  1. JWL.

    Most people have a pretty good idea of what they need to do to look after their health. After all, we’ve all seen the campaigns, read the stories and have got at least a fair measure of common sense. Most of us even make an effort to ensure we do look after our health – but could you honestly say that you do everything you could to keep your health in good order?
    The UK government recommends, for instance, that we do roughly 150 minutes of exercise every week. That isn’t a huge amount when you think about it, but well over half of us don’t manage to do it. We’re also recommended to eat 5 portions of fruit and veg every day, but it’s thought that a lot of us only manage around 3 portions on average.
    So there’s definitely more that we could all be doing, whether it’s making the extra effort to walk even when you really want to go in the car, or eating an extra piece of fruit instead of going for the tasty-looking bar of chocolate. However, looking after our health and wellbeing isn’t just about eating well and exercising regularly.
    With the best will in the world, even if we do everything we’re supposed to do to look after ourselves, the human body is not infallible. We still get ill and require healthcare. Plus, we live in a world where many people travel on a regular basis – for business and pleasure – and you can’t always be sure where you’ll be when you need help. This is why having good international health insurance cover can be so important.
    Maybe you’ll go for years without needing to make use of your policy, but the day you need it will be the day you’re glad you’ve got it. There are plenty of different medical insurance policies to choose from so you can reflect your needs and the level of cover that you require. For example, for many people, a standard international health insurance plan might be more than sufficient. For others, however, additional cover might be required to take account of specific conditions.
    You might also like to consider insurance that offers cover for preventative treatments, such as screenings and check-ups, or cover that ensures you’ll always be able to get hold of good quality dental and eye treatment no matter where you are in the world.
    Medical insurance is only one part of ensuring your health has a promising future, but it can give you peace of mind and make sure that you are always covered when you need to be. It’s no substitute for your 5 a day though!

Gloria Brown
Women's health and wellness retreat leader providing vacations and trips for women to get in shape -- and stay that way! On CleansePlan.com you can find my articles about weight loss, health and women's issues. Please feel free to contact me on gloria@cleanseplan.com

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