After finding out you’re pregnant, the questions, fears, and decisions can feel all-consuming. One of the quickest ways to understand what’s to come is to partner with the insurance company to prepare yourself and your wallet. Use these questions as a baseline for much-needed conversations.
When Do I Need To Add the Baby to the Policy?
Covering your newborn will be a top priority after birth, and there is usually a deadline regarding when the insurance company will allow this. Commonly, you have 30 days from the date of birth to enroll your newborn on your policy.
The coverage plans will backdate to their birth date and typically include pre-existing conditions. The agent you speak to will typically add the estimated birth month to your file to make the process easier. However, you may need to create a reminder for yourself to reach out to the insurance company again when the time comes.
Are Additional Tests and Scans Covered?
When taking on maternity care, the policy will cover a standard number of appointments and tests. Understandably, you and your provider may request additional tests or scans that fall outside the standard allotment. Ask the insurance provider what they will or will not cover so that you can financially prepare ahead of time.
Is My Preferred Provider in Network?
One of the most important questions to ask your insurance provider is if your preferred care provider is in the network. Maternity care will differ from standard OB care; the care provider you need or want may or may not fall inside your insurance network.
Network compatibility will play a significant role in your ability to choose the right provider for your pregnancy and determine the level of care you receive. A good rule of thumb is to create a list of three to four doctors you’d be willing to work with and ask your insurance company about their network compatibility.
Does My Plan Cover a Breast Pump?
Almost all insurance companies will offer a free or reimbursed breast pump, but the specific details will vary from company to company. Whether you intend to nurse full-time or formula-feed, it’s worth asking the specifics regarding the breast pump offering because you may need to pump milk at some point.
The beginning of postpartum will come with engorgement, and a breast pump can offer relief. You can avoid this costly expense and discomfort by working with your insurance company to receive a pump.
What Is the Copay Arrangement?
Becoming a parent is one of the most expensive things you can do, so before undergoing maternity care of any level, you should ask your insurance provider about the copay arrangement. Most standard maternity coverages will allow for a specific number of appointments and scans. Anything outside of the standard may cost you out of pocket. Understanding these specifics allows you to make arrangements with your doctor’s office.
Your insurance provider holds many keys as things unfold throughout your maternity journey. Hopefully, these questions will help you gain the insight you need.
