Use Your Plan Wisely
As you get ready for your baby, you'll want to understand what you're expected to pay for yourself. For example, your plan may have what's called a deductible. A deductible is the amount you pay toward your care each year before your plan starts paying.
Also, you may have to pay copayments for some medical bills. Copayments are set dollar amounts that you pay for each doctor visit or medical service.
To find out what's covered under your plan, read your policy. Health plans have a summary of benefits and coverage that explains what the plan covers and what bills you need to pay on your own. It explains how the plan covers each type of service, such as prenatal and postnatal care provided in a doctor's office, or delivery and inpatient services provided in a hospital.
If you do not understand the summary, call your plan's customer service phone number, usually found on your plan ID card. For information about employer plans, you can also contact the human resources department.
Some questions to ask:
- What prenatal and postnatal services are covered under my plan?
- Will I have a deductible or copayment for these services?
Get Your Baby on Your Insurance
Under health care reform, insurance you get through work and new health plans cannot deny coverage to your baby based on pre-existing conditions. This is true even if your baby is born with a health issue. But you must enroll your baby within 30 days of birth to get this coverage. Call your health insurance company to find out how to add your baby to your plan when the time arrives.