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Health Insurance 101 for new Parents | RMHP Blog

Health Insurance 101 for new Parents | RMHP Blog



Health Insurance: What’s Covered From Pregnancy to Delivery?

Having a baby can impact every part of your life, including your finances. Medical expenses can quickly start to pile up during pregnancy, and your health insurance may not cover all of these expenses.

For this reason, parents need to prepare themselves financially before having a baby by estimating their out-of-pocket medical costs. Here’s what parents need to know about health insurance from pregnancy to delivery, including the most common costs you might encounter.

Prenatal expenses

The Affordable Care Act (ACA) requires all health insurance companies to cover certain services for pregnant women, including:

  • Medical care during the pregnancy, which may include visits to an OBGYN, midwife, or nurse practitioner.
  • Preventative screenings, which may include testing for Hepatitis B, gestational diabetes, preeclampsia, and more.
  • Labor and birth services.

Health insurers cannot charge co-pays for medical care or preventative screenings during your pregnancy. However, they may charge co-pays for labor and birth services.

Delivery and post-delivery expenses

The ACA also requires health insurance companies to cover certain delivery and post-delivery expenses for new moms and babies, including:

  • Breastfeeding services, which may include equipment such as breastfeeding pumps or visits with a lactation consultant.
  • Newborn screenings, including a hearing test, jaundice screening, blood screening, and other tests.
  • Birth control, which includes any FDA-approved form of contraception. The only insurance plans that are not required to cover these costs are those provided by an employer with a religious exemption.

Both breastfeeding services and birth control are provided without a co-pay.

Most insurers will give you 30 days to add your new baby to your health insurance plan. Rocky Mountain Health Plans (RMHP) Members can get in touch with our team via phone, email, or an in-person visit. You can find contact information here, and our team will be happy to help you get your family’s newest addition added to your plan.

Every health insurance plan is unique

The services listed above are the minimum coverage requirements for health insurance companies. This means your plan may cover additional prenatal, delivery, or post-delivery services. It’s best to review the terms of your policy to determine what is and isn’t covered. Ask your insurer for a basic summary of your benefits so you can see what services you should expect to pay for out-of-pocket.

Now is also a good time to look up your deductible. A deductible is a fixed amount that policyholders must pay out-of-pocket for medical care before their insurance starts to pay for these services. In general, health insurance plans with higher monthly premiums will have lower deductibles, whereas health insurance plans with lower monthly premiums will have higher deductibles.

Use this information as a guide to help you financially prepare for the newest member of your family. Now that you understand what medical expenses you should expect to incur, you can focus on the excitement of having a baby!