My wife is pregnant, are there any healthcare costs not covered by our health insurance?

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Asked January 30, 2012

1 Answer

As long as the coverage is already in effect when your wife becomes pregnant, all of the care associated with her pregnancy should be covered. Most health insurance plans coverage all stages of the pregnancy, but require a minimum 3 months between the policy going into effect and the pregnancy. Read your policy carefully, or talk to an insurance agent if you have any questions. Pregnancy is considered a medical condition under group insurance, and all of the necessary care will be available to your wife.

Once the policy has gone into effect, all stages of the pregnancy are covered including prenatal checkups, ultrasounds and other treatment, as well as emergency treatments such as a C-section. As long as the premiums are kept up to date, the insurance company cannot deny coverage for the pregnancy once the waiting has elapsed.

Something to keep in mind is that your baby is going to need to have health insurance. If there are medical problems which develop after the baby is born, coverage for you and your wife may not extend to the baby's needs. If you wait until emergency medical bills begin to pile up, it will be too late to add a dependent to your policy. Contact your insurance agent and ask how to increase your coverage to include the whole family, even the newborn baby.

Another factor that you should look at is the copay associated with maternity costs. The amount you must contribute to medical treatment can vary widely between insurance companies and group policies, so make sure that you know what your out of pocket costs are going to be to make the insurance effective. Prescriptions are not always fully covered, but there are supplemental programs available for prescription assistance. Because the laws regulating insurance differ from state to state, you will need to talk to an agent who can talk to you regarding the specifics of your policy.

Answered January 30, 2012 by Anonymous

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