Maternity Coverage Can Be Hard To Find
According to a recent eHealthinsurance study, comprehensive maternity coverage was only available in 12% of the 3,500 individual health insurance plans surveyed. Non-comprehensive maternity coverage was offered by an additional 9% of health plans surveyed.
The 3,500 health insurance plans were geograghically diverse, and represented 47 US states.
Women who are shopping for an individual health insurance plan should ask the insurer or agent the following questions to make sure they will be covered properly
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Is there an out-of-pocket maximum for maternity coverage?
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Are there waiting periods before maternity coverage kicks in?
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Am I covered out-of-network ?
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Is my obstetrician or hospital in-network?
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Is there a deductible or co-pay for prenatal, delivery and postpartum services?
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Does the policy pay for a home birth or birth center delivery?
