What to expect (from your insurance company) when you're expecting
When you bring your new baby home, the last thing you should have to worry about is the hospital bill. So before your due date, find out your health plan's rules on delivery care costs.
Your statement of benefits (sample from Healthcare.gov) should list specific rules related to pre and post partum maternity care (office visits, facility fees, professional fees). If you're insured under an individual or short term plan, check the policy paperwork or contact the insurer directly. If your coverage is through your job, check with HR on the details of the group plan.
The mother's health insurance "statement of benefits" should explain co-pays and deductibles for hospital admission, delivery, post-partum care and medications.
- What is your overall deductible?
- What is the out-of-pocket maximum?
- What are the charges for hospital stays? ($ per day/co-pay upon admittance/other
- Do you need pre-approval if circumstances require urgent hospitalization?
- If needed, how many days of hospitalization are covered?
- If the mother or the baby do need extra time in the hospital, what are your options of keeping mother and baby together?
Take notes on the answers to these questions, including the names of insurance company employees you speak with, and keep them in a safe place.