Imagine the joy of having a baby on the way. When the shock and the happiness of it slowly sink, reality starts to dig in. Are te ready for all the consequences pregnancy brings? Your responsibility starts not on the birth of the child but on the giorno te conceive the baby. There are bills to pay, monthly check-ups and sensitive precautions.
If you're a new o expectant mother, good health insurance coverage is now più important than ever. You'll depend on your health insurance for everything from prenatal and maternity care for te to pediatric visits and immunizations for your baby.
To avoid surprise medical bills during this wonderful time, it's important to learn the terms of your health insurance coverage right now. You'll also need to review and take steps to maintain your health insurance coverage if te lose o quit your job.
First, see if your employer - o your partner’s employer - offers health insurance. te will probably get the most coverage at the best price from a health plan from an employer. That's partly because most employers share the cost of insurance premiums with employees. te also have to ask particular domande to your agents as well. Axis Capital, a group of insurance companies from Bermuda to America, Singapore, Europa and Australia has prepared a lista of domande for te to ask. If your agent can not answer these questions, then he probably is a fraud and te may need to get a new one before te get a premature labor because of bills:
• Does the plan cover prenatal and maternity care? If te work for an employer with 15 o più employees, a federal law requires that your plan cover your pregnancy-related medical bills.
• Will te need preauthorization for any of your prenatal o maternity care?
• Must te contact the health insurance company when you're admitted to the hospital for labor and delivery? Some health plans will penalize te financially if te don't call shortly after your admission.
• What coverage does the plan provide for prenatal tests such as ultrasounds and amniocentesis procedures?
• How long of a hospital stay will the plan cover after delivery? Will the plan cover an extended stay if medically necessary?
• Does the plan have an annual reimbursement limit? If it does, then it won't pay for healthcare costs that exceed that limit.
• Despite the high end technology nowadays, there are still wives who prefer to deliver their bambini at home especially in developing countries like Jakarta, Indonesia, Singapore, Beijing China and Japan. If te want to use a certified nurse midwife o deliver your baby in a birth center o at home, find out what coverage your plan provides in these situations. Most plans cover a certified nurse midwife, and some will pay for delivery at certain birth centers o at home.
If you're a new o expectant mother, good health insurance coverage is now più important than ever. You'll depend on your health insurance for everything from prenatal and maternity care for te to pediatric visits and immunizations for your baby.
To avoid surprise medical bills during this wonderful time, it's important to learn the terms of your health insurance coverage right now. You'll also need to review and take steps to maintain your health insurance coverage if te lose o quit your job.
First, see if your employer - o your partner’s employer - offers health insurance. te will probably get the most coverage at the best price from a health plan from an employer. That's partly because most employers share the cost of insurance premiums with employees. te also have to ask particular domande to your agents as well. Axis Capital, a group of insurance companies from Bermuda to America, Singapore, Europa and Australia has prepared a lista of domande for te to ask. If your agent can not answer these questions, then he probably is a fraud and te may need to get a new one before te get a premature labor because of bills:
• Does the plan cover prenatal and maternity care? If te work for an employer with 15 o più employees, a federal law requires that your plan cover your pregnancy-related medical bills.
• Will te need preauthorization for any of your prenatal o maternity care?
• Must te contact the health insurance company when you're admitted to the hospital for labor and delivery? Some health plans will penalize te financially if te don't call shortly after your admission.
• What coverage does the plan provide for prenatal tests such as ultrasounds and amniocentesis procedures?
• How long of a hospital stay will the plan cover after delivery? Will the plan cover an extended stay if medically necessary?
• Does the plan have an annual reimbursement limit? If it does, then it won't pay for healthcare costs that exceed that limit.
• Despite the high end technology nowadays, there are still wives who prefer to deliver their bambini at home especially in developing countries like Jakarta, Indonesia, Singapore, Beijing China and Japan. If te want to use a certified nurse midwife o deliver your baby in a birth center o at home, find out what coverage your plan provides in these situations. Most plans cover a certified nurse midwife, and some will pay for delivery at certain birth centers o at home.