Maternity Insurance Plans
Discovering you are pregnant is a very exciting and special time. It can also be a stressful time, because with a new baby comes many new responsibilities and concerns. Your mind may be racing ahead to things like are you having a boy or girl, what to name your child, how to decorate the nursery, which pediatrician to choose and so on. However, the first and foremost thought should be your own health and how to make sure it is cared for properly. Maternity insurance coverage is imperative for all but the extremely wealthy as it takes care of the vast majority of pregnancy related expenses.
In most states, maternity insurance plans include prenatal medical care. This includes all of your checkups, which are quite frequent when pregnant. During your checkups, your obstetrician will take your vital signs, check your weight, listen to your baby's heartbeat and update you on the progress of your pregnancy and what to expect. There are lots of tests that will be performed during this time, and maternity coverage will cover them. Some examples of tests include blood glucose tests which check for gestational diabetes and sonograms to get a visual image of the baby.
It is the sonogram that can determine the sex of your baby. These days, there are 3-D style imaging tests that give you an amazingly clear image of your baby. In some cases these fancy sonograms are covered, in other cases they are not. It all depends on your particular policy. Maternity coverage also of course covers the birth of your child. This includes your stay in the hospital, any procedures related to the birth, and procedures that take place for a certain period after the birth. This is called the postpartum period and many insurers will cover expenses for you and your child for 6 to 12 weeks.
When selecting an insurance company there are many factors to consider. One of course is cost. You want a policy that you can afford, but that has all the features you need. If your employer, or your spouse's employer does not offer insurance coverage, there are state funded programs like Medicaid and other programs for pregnant women and women with babies. These programs are based on income and work just like any other kind of insurance.
If you need assistance with maternity plans, one place to contact is your local department of Social Services or Health and Human Services. A social worker can help you gather and complete all the necessary paperwork so you can get the health care you need for you and your unborn child. And, they can discuss postpartum coverage with you as well. There are insurance plans for children up to age 19 that covers their health care costs.
Maternity coverage is a must-have for any pregnant woman. If you are unable to get public assistance and do not get employer provided insurance, you can look for quotes online. Many insurance companies offer free online quotes. This is a fast and easy way to compare features and prices. Once you've found the right policy for you, the next step is to submit a formal application which will go to the underwriting department. Usually it takes a few weeks for an insurance application to go through. If you are approved, you will get all your documentation along with the full cost, monthly premium and instructions on how and when to pay. In many cases paying annually can save you money.