Having great health insurance coverage is important as an expectant mother. You’ll need health coverage for prenatal and maternity care, pediatric visits, and immunizations. It’s a good idea to talk to your insurance company to understand the inclusions and exclusions of your health coverage policy. You need to understand what expenses you’re responsible for, how to add your baby to your health insurance plan, and how to find a pediatrician within your health plan’s network.
What is postnatal care?
Postnatal care refers to the medical care you receive following the birth of your baby and when you leave the hospital. You shouldn’t have to pay any out-of-pocket costs for routine postnatal care assuming your health care provider is in your network. Postnatal care for moms includes routine office visits, lab work, and breastfeeding help with a lactation consultant or specialist. Postnatal care for babies includes routine pediatrician visits such as wellness checkups and immunizations.
One of the most essential baby products for a breastfeeding mom is an ease of use breast pump. A breast pump allows you to pump and maintain a milk supply. Knowing what you need in a breast pump when pumping for the first time can be difficult. Truly Mama offers helpful advice to new pumping moms who are shopping for the best breast pump. There are different types of breast pumps, each with a different suction strength, power source, and ease of use. Double or single electric breast pumps feature electric motors that stimulate milk production using different levels of suction and expression levels. Electric pumps can be used hands-free with a pumping bra, with wires connected to the milk containers and pump.
Hospital-grade breast pumps are electric double pumps with the highest level of suction available. Hospital-grade pumps are very costly, which is why most moms rent this type of pump if needed. Manual pumps use a hand crank or natural letdown to induce a letdown without the need for electricity. Wireless pumps are electric pumps that fit into your nursing bra. The motor, milk container, and pump are in one unit so you can enjoy hands-free pumping. Most insurance plans cover the cost of a basic electric breast pump or some of the cost of a more expensive model.
When do you add your baby to your insurance plan?
The birth of a child is considered a “qualifying life event” by an insurance company. You’ll need to add your newborn baby to your health insurance plan within 30 days of birth. Contact your health insurance plan’s member services following your baby’s birth to have your baby added to your health insurance. This is also a good time to explore other health insurance options for your baby, such as a government-funded insurance plan.
Having enough health insurance coverage gives you peace of mind in case of a medical emergency. Receiving transport and medical treatment from emergency responders can be costly if you don’t have ambulance coverage. Different private health insurance companies treat ambulance coverage differently. Some policies cover all ambulance travel while others only cover the costs of transport to the nearest hospital.
You can learn all there is to know about health insurance at iSelect. Whether you need to find a lower rate on your insurance premium or want to explore additional coverage options, the comparison site makes it easy to find coverage that best suits your specific needs.
How do you find a doctor for your baby?
You’ll have frequent visits to the pediatrician for everything from wellness checks and ear infections to rashes and pink eye. During your pregnancy, ask for a list of in-network doctors from your health insurance company. This ensures you pay the least possible cost for unexpected medical care. It’s a good idea to have a consultation with multiple pediatricians to find someone you are comfortable with.
Talk to your health insurance company to find out what postnatal costs are covered. You’ll need to add your baby to your health plan within 30 days of birth and have a pediatrician chosen before the big day.