Insurance Coverage for Having a Baby

Use this checklist as a guide for asking your insurance company about the coverage you get when pregnant.

• Am I covered for childbirth education classes or other pregnancy-related education programs?
  
  

• What is the coverage for prenatal care?
  
  

• Do I need to get authorization to be admitted to the hospital for delivery? Is there any co-payment or deductible for my hospital admission?
  
  

• Am I covered for treatments, medications, or hospitalizations prescribed by my physician for medical problems during pregnancy?
  
  

• Are there any treatments or procedures that are not covered?
  
  

• What do I need to do to enroll my baby in the family plan policy?
  
  

• Will my baby's medical costs be covered following delivery? For how long?
  
  

• How long will my hospital stay be covered when I deliver my baby?
  
  

• What expenses are covered following the delivery?

Source: National Women's Health Resource Center, Inc. (1996). National Women's Health Report, 18.

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