Lauren Mandel
The growth of your family or even to think the possibility is a decision that can change many aspects of your life, including how you get access to health care. To help you learn more, we've rounded up some of the most important things you need to know about health care for your newborn, what to do when you discover you are pregnant, and how to get coverage for your entire family.
If you already have a health insurance ...
If you think you are pregnant or if you are already pregnant, the best scenario is that you have a health insurance . Under the Affordable Care Act, all health plans must now cover some benefits that will help you throughout your pregnancy and after, including prenatal care and care of the newborn. These benefits are called the 10 essential health services, and you will be glad you have them
More good news :. You get all these benefits, even if you get pregnant before your plane takes effect. The Affordable Care Act says insurers can not deny people coverage and benefits because of their pre-existing conditions, including pregnancy.
For alternative maternity care, such as midwives and home births, see your specific health insurance provider to find out more about your current coverage.
once your baby is born, you can get a new health plan or add your baby to your current coverage.
If you do not yet have health insurance ...
Unfortunately, pregnancy is not considered a qualifying life event, which is a change of life that allow you to obtain health insurance outside of Open Enrollment. However, giving birth is a qualifying life event, even if you do not have health insurance now, you'll be able to get a new health insurance plan for you and your baby.
Not having health insurance while pregnant means you have to pay for maternity care and birth out-of-pocket. You may want to consider purchasing a short term health insurance plan to cover part of these costs before the baby is born.
If you think you do not need health insurance ...
Think again. While this may not seem like a burden to pay for maternity and newborn care out-of-pocket, it can become extremely expensive. Stay for one day in an American hospital can cost up to $ 4000, and before the additional support that comes along with having a baby. If you need to have a caesarean section, including many pregnant women do, you could end up paying more than $ 15,000.
If you are pregnant and need more information about health insurance, call 888-322-7557.
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