Health Insurance During Pregnancy - Finding Out Your Coverage

Your newborn needs to be taken care of on arrival. When you choose a good maternity hospital, you also need to have good insurance during pregnancy. Costs of normal delivery are comparatively lesser as compared to a cesarean section. It is not only the delivery expenses that you have to consider. There will also be various examinations, tests and various other expenses which need to be looked into besides the delivery charges. Once you have planned the pregnancy, the best thing to do is investigate details about and find out more about your coverage.

Covering financial hassles during pregnancy:

Pregnancy as well as delivery involves a lot of hassles financially and after the baby is born there are a lot of visits to be made to the pediatrician, getting the baby immunized etc. Due to any reason if you have to give up your job while you are pregnant, you may find it strenuous to maintain your budget. Not many women get themselves insured when they are pregnant and it may become difficult getting insured after they're pregnant. As per the rules of many providers any pre-existing pregnancy related condition is considered as a 'category', which has its own fine print. Many a times, emergency medical treatment is needed, because of which many healthcare providers hesitate to cover pregnant women.

Waiting periods could extend over a couple of months and higher premiums are required to be paid in health insurance coverage for pregnancy. A better idea would be to obtain a health insurance policy before you get pregnant since then the premium amount is not very high. An important issue to be considered however is the duration of the waiting period. Once a woman is pregnant, she has to go for periodic checkups, tests and diagnosis of the trimesters on a regular basis which cannot be avoided at any cost and this makes consideration of special health care insurance still more important.

Individual and group health insurance plans:

Many of the health insurance companies also charge something called the optional rider which is a kind of extra premium. Each time a premium is paid, the optional rider also has to be paid but you have the option of dropping the rider, for which you need to understand details of health insurance during pregnancy - finding out your coverage, and other essentials of the fine print.

Employers these days provide health insurance coverage to all those employees who have worked for a specified number of years in the company. This includes maternity coverage. Make necessary inquiries with officials at your company so that you can obtain coverage while you are pregnant. Once you obtain such health insurance you don't have to worry as all medical bills and all expenses related to pregnancy are covered by the health insurance plan. Many companies also provide group insurance which is comparatively less expensive than the individual health insurance plan. Just in case you change your job, the old insurance plan can be continued at the new company you will be joining, once provisions for timely payouts are made.