Reasons For Concern
Many women today have very real health insurance maternity concerns.
Pregnancy health insurance coverage is needed by a lot of women, but a lot them are afraid that they cannot get it. Let’s look into the issues behind these health insurance maternity concerns.
Health insurance maternity concerns arise because a woman who gets pregnant may not have adequate health insurance to cover the costs of the OB-GYN visits, the birthing, or the after-birthing hospital stay. Women might not have adequate health insurance to cover the costs of any other treatment that they receives resulting from pregnancy complications, such as receiving care for gestational diabetes for example.
There could be thousands of dollars in medical costs that would need to be paid out of pocket without pregnancy health insurance coverage.
These health insurance maternity concerns arise not just because a woman who gets pregnant might not have insurance, but also because she may not have the right pregnancy health insurance coverage even if she does have a health insurance policy or is on her husband’s plan.
Pregnancy Health Insurance – When Is Cover Needed?
Pregnancy is, from a medical standpoint, considered to be a pre-existing condition. In truth, when it comes to health insurance pre-existing conditions are not nearly as prohibitive as they are made out to be. Nevertheless, they do make it more complicated to acquire health insurance coverage and they do raise the premiums.
If you are a woman who expects, plans, or is likely to get pregnant, and you have health insurance now, you should look into putting a pregnancy health insurance rider on your current policy.
This will only be a minimal expense and it will save you a lot of money and stress in the long run should you get pregnant. Do keep in mind that there is typically a waiting period, usually six to 12 months, before the rider will actually cover any maternity expenses.
Insurance companies enact waiting periods to prevent people from buying insurance just before they are going to knowingly do something that the will need insurance to cover the costs of. This is to prevent what is known as “adverse selection”. Insurance was never designed to cover anything but catastrophes and the unexpected.
If insurance companies had to cover the costs of all anticipated events, they would never be able to do so and they would be out of business quickly-and that would not do anyone any good.
The bottom line here is: be responsible and plan ahead so that you don’t end up with health insurance maternity concerns. Think about and adjust your health insurance plan at least a year before you plan to conceive a child, and be responsible in your sexual choices.
Pregnancy health insurance coverage is divided into inpatient and outpatient services.
- Inpatient coverage normally includes hospitalization and doctor’s fees related to child birthing.
- Outpatient coverage covers prenatal and postnatal OB-GYN office visits and the associated fees.
Your pregnancy health insurance plan will dictate the amount of coverage you get. Depending upon your plan, you may have to use up your annual deductible before the coverage kicks in, or you may have the deductible waived.
Daily co-payments concerning doctor visits and hospitalization will also differ with each individual plan. So, you will need to carefully look into these matters when you are comparing pregnancy health insurance plans and policies.
Just always remember that health insurance maternity coverage is a special benefit. You cannot expect your regular health insurance plan to cover the expenses associated with your pregnancy.
Again, this is because pregnancy is, from the medical point of view, a pre-existing medical condition.
From an insurance perspective it is like a congenital disease. No, this does not mean that pregnancy is seen as a disease! It is simply a medical reality that pregnancy brings with it complications and a lot of possible other complications.
In order for these complicated conditions to be adequately cared for, specially trained people must be paid. Pregnancy health insurance coverage is the special coverage that ensures they can be paid and will be there when you need them to be.