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Maternity Gap in High-Deductible Plans

Childbirth and Pregnancy Often Uncovered in Plans

The Fine Print

But Mila Kofman, the study’s other author, warns insurance shoppers that figuring out which costs are covered and which are not can be exceedingly difficult.

“The summaries of the policies [examined by researchers] did not accurately reflect what was covered and what was not covered,” she says. As for reading the entire policy, “they’re not written in English,” Kofman says of the legal language.

Experts Tuesday recommended young families considering consumer-directed plans to ask marketers a lot of detailed questions about what maternity costs -- if any -- are covered.

“If you’re going to go there, you need to go there with your eyes open and realize you could be spending a lot,” Salganicoff says.

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