Hi, there. I'm still waiting for my first prenatal appointment and while I wait I thought I should check out what my insurance has to offer so we can try to financially prepare for our baby. I looked online and got a good idea, I think, of what I can expect financially, but what am I forgetting? I know I've heard people say how expensive birth can be, and it really seems like the rules and regulations book of my insurance plan didn't say a whole lot. Help me think of the questions I need to ask my insurance, but don't know. Here's what I do know:
Well baby care visits are covered in a physician's office during the first 24 months of life (I'm assuming the regular co-pay amount applies - $30)
Hospital obstetrical delivery care and services are covered.
There is a $600 in-patient co-pay for staying at the hospital. The baby is not charged a co-pay if she/ he is discharged with me.
Home delivery is not covered
Normal delivery out of service area is not covered (normal delivery is considered within 5 weeks of due date)
Complete hospital and outpatient postpartum care and services for female participants covered (with $30 co-pay)
Prenatal care and services are covered (with $30 co-pay)
Amniocentesis based on criteria established by the insurance plan and requested by the physician is covered
Birthing classes are covered
Well baby care visits are covered in a physician's office during the first 24 months of life (I'm assuming the regular co-pay amount applies - $30)
Hospital obstetrical delivery care and services are covered.
There is a $600 in-patient co-pay for staying at the hospital. The baby is not charged a co-pay if she/ he is discharged with me.
Home delivery is not covered
Normal delivery out of service area is not covered (normal delivery is considered within 5 weeks of due date)
Complete hospital and outpatient postpartum care and services for female participants covered (with $30 co-pay)
Prenatal care and services are covered (with $30 co-pay)
Amniocentesis based on criteria established by the insurance plan and requested by the physician is covered
Birthing classes are covered
