All primary health insurance plans cover pregnancy and childbirth. Under the Affordable Care Act, pregnancy and maternity care are among the ten essential health benefits that must be covered by health insurance plans offered to individuals, families, and small groups.
Even if you don’t have health insurance, there may be free or discounted services for expecting mothers in your area. There are also affordable options such as hospital indemnity policies; however, these may not cover as many pregnancy benefits like a major medical health insurance plan.
What services can I expect to be covered?
Maternity services covered by health plans include:
- Outpatient services include prenatal and postnatal doctor visits, gestational diabetes screenings, lab studies, medications, etc.
- Inpatient services include hospitalization, physician fees, etc.
- Newborn baby care
- Lactation counseling and devices
It’s essential to keep in mind that your coverage may vary depending on your plan since insurers can choose how they cover these benefits. Additionally, out-of-pocket costs depend on several factors, such as the tier of coverage you have, deductibles, copayments, and which providers you choose.
Cosmo Insurance Agency is a full-service independent insurance agency based in Hackensack (Bergen County) and Lakewood (Ocean County), New Jersey that offers an all-encompassing range of insurance options for both individuals and businesses. Cosmo keeps its promise to assure an efficient and creative approach to the services we offer. Each of our clients experience a personalized and long-term relationship with us. Our New Jersey based team of health brokers guides our clients in helping them choose the most cost-effective options. By incorporating our knowledge of the insurance guidelines for healthcare, employee benefits, life insurance, self-insurance, dental, disability, and long term care insurance, we keep our clients up-to-date with affordable plans that cover all their specific insurance needs.