Pregnancy and the birth of a child are one of the most exciting parts of life. Unfortunately, it is also one of the most unpredictable, with many changes that can occur throughout the process. It is important to be aware of health insurance for pregnant women and how it could be affected during pregnancy, delivery, and postpartum care.
If you are pregnant, looking to become pregnant, or simply seeking to understand health insurance better, this blog will provide you with information on the importance of health insurance while pregnant, what to look for in health insurance when pregnant, and how Bethany Insurance understands your needs.
The Importance of Health Insurance for Pregnant Women
During pregnancy, a mother’s health is especially important – both for her well-being and the health of her baby. That is why health insurance is so critical, as it can provide coverage for any of the following:
- Prenatal visits and regular doctor’s appointments
- Ultrasounds
- Labor and delivery costs
- Hospital stays
- Postpartum care
- Medications
- Mental health support services
- Unplanned emergency care needs and more
Without health insurance coverage in place during pregnancy, the cost of these services can quickly become overwhelming. According to the Kaiser Family Foundation, it can cost over $18,000 in the United States with the average out-of-pocket expense being over $2,800.
What to Look for in Health Insurance for Pregnant Women
When seeking health insurance coverage, there are several important factors to consider:
- It is important to look at the type of health plans available – including their health benefits, exclusions, and limitations – as well as any existing maternity coverage you may have through your employer or another provider
- Additionally, it is essential to make sure that you understand the terms of any health plan you select, such as premiums, copays, or coinsurance amounts.
- Lastly, research what types of health providers and specialists will be part of your health plan’s network – such as OB/GYNs, midwives, and lactation support staff – so that you can be assured of receiving quality care
What if I Switch Health Insurance While Pregnant?
If you already have health insurance coverage and need to switch health plans, it is important to know that pregnant women are entitled to special enrollment periods for health insurance. This means that you can switch health plans without having to wait until the next open enrollment period, ensuring that you receive the health services needed during pregnancy.
Can I Get Health Insurance if I am Already Pregnant?
Yes – health insurance companies cannot deny coverage or charge more because of existing conditions, including pregnancy. Health insurers typically provide some degree of maternity coverage for those who have an Individual Health Plan (not through an employer) and enroll during open enrollment periods.
Bethany Insurance Understands Your Needs
At Bethany Insurance, we understand that health insurance needs can change drastically when a woman becomes pregnant – which is why our health plans provide access to quality health care providers as well as health services tailored to pregnant women.
If you have any questions about health insurance for pregnant women or would like more information on the health plans we provide, reach out to our team of knowledgeable agents. We are here to support you through every step of the health insurance process.
