The Affordable Care Act requires all insurance plans on the Health Insurance Marketplace to cover the healthcare needs of expectant mothers. Pregnant women can access different services through these plans, including all prenatal care visits, labor and birth services, inpatient care, and breastfeeding help.

There are also various services that the law requires all people to access, including pregnant women. For example, regular health checks, hospital care, and emergency services are compulsory for any insurance plan. You can access maternity health insurance coverage through the government or employer. There are also a few private plans that you can consider.

Importance of Pregnancy Insurance Coverage

If you’re expectant or intend to be pregnant, it’s critical to compare the various plans in the market to pick the ones that meet your needs. There are multiple benefits that you can enjoy from a maternity insurance plan. The plans help you to access financial backup with unique perks. These plans can also cover you and your child in case of pregnancy-related complications.

The law requires that health insurance policies provide a Summary of Benefits and Coverage. The summary will provide comprehensive information about each plan’s coverage and limitations for the expectant mother. If you’re pregnant or plan to get pregnant, reviewing your pregnancy insurance coverage summary is advisable. This helps you understand what to expect from the cover to avoid surprise medical costs.

Some insurance providers tend to treat pregnancy as a pre-existing condition and attempt to deny coverage. However, the law requires that maternity health insurance covers pre-existing conditions, including pregnancy. If you’re pregnant when signing up for health insurance, your situation will be regarded as pre-existing, and ACA obligates the insurance plan to cover your pregnancy status.

Get in Touch with the Advantage Benefits Team for Assistance

Navigating through the marketplace to pick a pregnancy insurance coverage can be daunting. However, the Advantage Benefits Team can help you get a suitable pregnancy insurance policy. Contact us today to request a free quote and get a solution to all your maternity care insurance needs.