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The importance of maternity health insurance
Maternity health insurance has become very popular over recent years and the main reason for this tendency is that the cost of having a baby has increased drastically. Hospital stays and visits to an OB-GYN can quickly empty the wallet. As a result, maternity health insurance plan is a very useful part of the pregnancy process. Since this insurance type is designed for pregnant females there are some very unique benefits that the plan offers. Some general health insurance plans cover pregnancy. The first thing that a pregnant woman has to do is to check whether her existing health insurance plan covers the medical costs of having a baby. The appropriate cover should include doctor visits before delivery, delivery costs and medical assistance required by the baby and mother right after delivery. Maternity insurance is not a separate insurance product but a part of a broader private insurance cover. The aim of this maternity benefit is to cover the costs associated with pregnancy and delivery.
What is covered?
Most private life insurance companies consider pregnancy as a preexisting condition and can refuse to underwrite a individual policy after the women becomes pregnant. Therefore it is advisable to purchase maternity life insurance before becoming pregnant. The simplest way to do this is to contact an insurance provider and request for a maternity rider. To put it simply, a maternity rider is an amendment to an existing health insurance cover that attaches additional maternity benefit at an extra price. Almost all insurance providers apply waiting period to maternity benefit. This waiting period is usually no longer than six months but it can vary from one life insurance provider to another. Health insurance plans with maternity benefit or maternity rider will most likely cover all the medical costs during pregnancy up to a certain limited amount. This amount can differ sharply and it is best to analyze all the limitations implied by the insurance contract. Every maternity health insurance plan covers in-patient and out-patient care. In-patient coverage pays for hospitalization fees and physician fees that are incurred during the birth of the child. Out-patient coverage includes prenatal and postnatal visits to OB-GYN.
