Everything gets exciting when you’re planning to expand your family. However, planning to do so requires considering various elements, mainly including whether your health insurance will suit your timeline or not. You can choose to have a baby without going for private hospital cover, however, it is always recommended that you choose the level of care which will suit your needs. All Medicaid plans and Health Insurance Marketplace covers childbirth and pregnancy. This is applicable even in cases where pregnancy begins before the effectiveness of your coverage.
It is important to note that having a baby will qualify you for an SEP (Special Enrollment Period). This means that after having your child, you can change or enroll in Marketplace cover, even if it’s not within the Open Enrollment Period. Considering that you’ve enrolled yourself in the new plan, the health cover can be applicable once you’ve delivered the baby.
Considering that you’ve delivered your baby and you already have a health cover, you can do the following things:
Switching to another Marketplace plan or adding your baby to your current coverage plan.
Childbirth and Maternity Care- these are the services that are provided after and before you deliver the baby, these are the essential health plans. This explains that all the health plans within or outside the marketplace should cover them.
Some health insurance companies provide coverage even if you were expecting before the initiation of your coverage. The health care law states that pre-existing conditions (including pregnancy) is covered in the health insurance plan.
Additionally, health plans which are sold within or outside the marketplace must include coverage and a benefits summary page.
In many countries, the Medicaid programs have been extended to cover individuals who have incomes below a specific level. Even if you weren’t eligible to apply for this coverage in the past, you can definitely qualify now. Your eligibility for Medicaid relies upon the following factors: whether there has been an expansion in your Medicaid coverage, your income and the size of your household.
Benefits Of Getting Additional Cover When You’re Expecting
When it’s about having a baby, there are various benefits to taking health insurance, and this does not only involve hospital cover. Extras or ancillaries can assist you in ensuring that you are covered for the things that you might require in the process.
Tips On How Extras Can Assist You When You’re Expecting
1. Antenatal classes – There are various classes and courses available which are particularly designed for mums who are expecting, depending upon your health insurers. These courses may include: sleep settling classes, breastfeeding classes, birthing courses and classes, post or pre-natal visits from a compression garment or registered midwife.
2. Accommodation and travel – In cases when you live far away from your hospital or specialist, you might want to claim back any accommodation or travel costs.