Private Health Insurance Coverage for Pregnancy: A Need to Reevaluate
Understanding your health insurance as a mom-to-be is a very important step, considering that you will need a series of doctor visits and tests to be run on you and your baby. Being conversant with what your private health insurance can cover during your pregnancy can greatly assist you in avoiding surprises at the most crucial times.
In the past, private insurance companies offering health insurance could decline and refuse your application for their coverage while you are pregnant. This was mainly due to the fact that they considered pregnancy as a preexisting condition. However, this is not the case anymore. Nowadays health plans are not allowed under the Health Care Law to add additional charges just because you are pregnant.
Private health insurance plans (with maternity coverage) can foot the bill for every cost ranging from pregnancy to childbirth. This is applicable even if you were pregnant before your insurance coverage took effect. To young parents, this is a great relief financially since maternity care plus childbirth services are provided in their coverage before and after delivery of the baby. This can last up to when your baby starts to walk. Parents who look for the best baby walker on the market often pick up additional insurance at this time too.
Having a baby is one of the rare moments we get to experience in life. Availing of child and maternal services by using a private health insurance program has some added benefits compared to using public health services. Most private health insurance companies tend to exclude pregnancy coverage in their insurance policies, but if that clause is added in your coverage you have all the reasons in the world to be happy. If you are wise to have private health insurance with a maternity cover, you will be able to avoid some heavy bills that come along with giving birth.
In private health systems, parents are offered high-quality services, continuity of services, and above all, they experience a high level of comfort during pregnancy when giving birth, and in the immediate days after the birth. In a private insurance cover, the parents have the privilege of choosing their obstetrician, and other specialists such as a midwife and pediatrician. They can also access high-quality healthcare check-ups compared to their equals in the public system.
The private system gives one also the freedom to be consulted before certain decisions are made regarding your pregnancy and delivery process. For instance, you can have a discussion with your obstetrician about the best way of delivery. You can opt for a much suitable way either cesarean option or the normal childbirth after proper consultations with your obstetrician.
Members covered by private insurers enjoy lengthy stays in the hospital as opposed to those who deliver in public hospitals. During their stay in the hospital after the delivery, they get access to quality post-natal recovery services compared to their colleagues in public facilities. After natural delivery, they stay on average three days and five days when delivery was on the cesarean process this is mainly done to ensure the parent heals fully and is healthy to breastfeed the baby.
During their stay, they are offered a private room which often includes a bed for the patient and another one for the patient's partner or relative. This is to enable them to spend some quality time with the newborn and comfort the mother on the first few nights. This extra stay in private hospital ensures the parents receive more comprehensive advice on how to take care of the baby.
It is therefore important for soon-to-be parents or those who are thinking of having children to rethink their stand on whether they should get pregnancy cover as a couple when they take out a health insurance from a private provider. They have to weigh the pros and the cons while bearing in mind that when they do, they can opt for one with a pregnancy cover for the mother and another one without such coverage for the father. The fathers do not actually need such a coverage, therefore taking out a couple policy at this time would not be advisable.