Pregnancy and child birth HMO

5 Reasons Why You Should Have Individual Health Insurance When Pregnant

With pregnancy comes the need to be very healthy for both yourself and the unborn child.Although planning your nursery might be very important, most importantly, every mother to be must understand and get the best healthcare.

If you’re on the right health insurance plan, Maternity coverage is one of the 10 essential health benefits that should be covered by your plan. Additionally, knowing what your plan covers and what it doesn't can help you avoid surprises down the road.

If you’re not, here are five reasons why you need a health insurance plan when pregnant;

  • When you're pregnant, you'll need a series of doctor visits and tests to check your health and your baby's health

  • Some health insurance plans offer breastfeeding support. This includes training from a breastfeeding expert during pregnancy or after delivery. Costs for renting breastfeeding equipment may also be covered.

  • Most health insurance plans cover the risk of having a baby with birth defects.

  • Health insurance also offers you the ability to have access to private obstetric care during your pregnancy.

  • Getting health insurance while pregnant also allows you to include your child in your plan by migrating to a family inclusive plan seamlessly.

What  maternity services are covered by health plans?
Several health insurance companies offer different maternity services. Some of the most common services for pregnant women covered by health plans include;
Outpatient services - Prenatal and postnatal doctor visits, gestational diabetes screenings, lab studies, medications, etc.

Inpatient services - Hospitalization, physician fees, etc.

When should I get health insurance?
If you know there’s a high possibility of you getting pregnant (that is, you’re married or sexually active), then you will need to take out private health insurance well before you get pregnant. This is because for most health insurance policies, there is a 12-month waiting period where you can’t claim any pregnancy-related expenses.
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