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Do I Need To Alert My Insurance Provider If I Get Pregnant?

By October 23, 2013June 9th, 2020No Comments

An important aspect of pregnancy is getting the proper medical care that both you and baby need. But can you rely on your health insurance to cover the expenses of routine checkups and delivery? Some of the more basic health plans may not cover the expenses associated with pregnancy. Other plans are designed specifically for maternity.

Your independent agent can guide you through the process of securing proper health insurance to carry you through pregnancy. Telling your agent as soon as you know you’re pregnant can help put your mind at ease, knowing exactly how medical treatment will be covered.

Give your agent as much information as possible, such as how far along you are and if this is your first child. You can request a list of doctors who participate in your insurance plan to help you schedule appointments. Note that your baby will not automatically be added to your policy; you must specify your baby’s addition beginning at birth. Without the addition of your baby to your policy, you will have to call your agent immediately following birth and any expenses up until that phone call may not be covered.

It can be helpful to put together a list of questions you’d like to ask beforehand. Some of these questions may include:

  • What does my current policy cover? Are there any limits? 
  • Are hospital bills and prescribed tests covered? 
  • Are they any procedures that need to be preapproved?  
  • What are my deductibles for various doctor visits? 
  • Will the cost of any unforeseen complications be covered?
  • Are non-traditional deliveries covered, such as a midwife or water birth?

Independent agents are trained to assist you with any questions or concerns you may have. They can secure extra coverage for you, if necessary, so you can focus on preparing for your baby’s arrival.

Pregnancy often leads to many questions about healthcare. Call Loftis & Wetzel Corporation at 855-360-0466 for more information on Oklahoma City health insurance.