Expecting a child? What great news this is…with it brings a multitude of things to-do: get the baby’s room ready, buy a car seat, pick out a name, etc. Don’t forget to think about the financial implications of having a baby…and one important “to-do” is to contact your insurance company to find out what you can expect for coverage of the baby’s birth. We suggest calling your insurance company to ask the following questions:
- Write down the date of your call, the name of the person you spoke to, and find out their direct phone number in case you need to call them back.
- What does my health plan allow for prenatal care?
- Are pregnancy ultrasounds covered? If so, how many and for what conditions?
- What is my deductible and copayment? Where am I currently with my deductible/copayment?
- Do I have a pre-existing condition clause that would preclude me from receiving these services?
- Do I need to call ahead for pre-certification of my hospital stay? Do I need to call again when I am admitted?
- How many days will be approved for my admission?
- How are post-partum (after delivery) visits covered following my stay?
- Is durable medical equipment covered (breast pumps, phototherapy blanket)?
- Do I have coverage for educational benefits? Prepared childbirth, breastfeeding, exercise, etc.? If so, how much coverage do I have?
Being prepared ahead of time will allow you to fully enjoy the birth of your baby. Remember, if your insurance coverage changes during your pregnancy, you will need to reassess this information. Contact the Clinic Financial Counselors if you need assistance in understanding any of these questions or in understanding your insurance company’s responses.