Does Your Insurance Coverage Work For Pregnancy Complications?

If you have approached the time in your life that you are ready for children then you need to get some information. Your insurance company might not cover all the costs that you are expecting them to. If you know what to ask then you could get the information very easily. Every company is different in terms of coverage and once you know what is up you will probably feel a lot better.

The first thing you want to check is if the baby will be automatically covered. Generally speaking this is not always the case. You will need to add your child normally to get the coverage for him too. You have to do this before a month has passed to have it go through. This is something that you can start early. You get the application, probably from your HR person at work, or call your agent if you have individual insurance. Take it home and input all that you can without having the baby's information.

There will be tests and other things that you should find out if they are covered. If you have the type of insurance that requires pre-authorization before just about everything you need to ask ahead of time about some normal stuff that they do at this time. Will you need to preauthorize the sonogram? How soon can you request it, especially if you know what week they will want it done at. Then you need to address complications. If you are in the middle of whatever issue it is, do you have to contact the insurance company then?

You should find out about limits on hospital stays too. If they have a limit for the number of days they will cover after a regular birth and what it is for a c-section. You have to find out too how many days the baby will be covered. If for some reason the baby comes early and ends up in the neonatal ICU, you will want to know what the maximum coverage for that is too.

Once you have had all of these questions answered you will be more empowered. You will know what to expect and you will be able to relax and enjoy all the stuff that goes along with a pregnancy. It is the best possible idea to take care of whatever you can before baby shows up. You will be just a little busy after.