United india insurance maternity benefits
Usually, the best way to determine your costs is to talk to the staff at your healthcare provider's office. How can I tell how much I'll end up paying for a specific test or procedure?Ĭosts will depend on your provider's contract with your insurance company.
Before you head to any healthcare provider, check to make sure that the provider accepts your health insurance. Be aware that insurance companies will pay less for out-of-network care or it may not be covered at all. For example, you'll need to see a maternal-fetal medicine specialist if you have any chronic conditions that would make your pregnancy high-risk.įind out what the coverage is for out-of-network versus in-network care, in case you need to see a provider who is outside the network. That includes the practitioner who cares for you during your pregnancy, your anesthesiologist during labor, your baby's doctor, and any specialists you know you'll need. Start by making sure that all of your healthcare providers are in your plan's network. Keep careful records of the answers you get and make sure to note the name of the person you spoke to and the date you called. If these documents are hard to find or interpret, you'll need to call your insurance company. You can also review the plan's Evidence of Coverage for more details. (See our article on how health insurance plans work for more information.) How can I tell how much I'll end up paying for everything else?įor other services, you can look at a plan's Summary of Benefits to see what's covered and at what levels. Call your plan to see whether they have a program like this for you and how you can enroll. These programs offer services such as help finding a healthcare practitioner in your network and phone access to support and advice from nurses.
#United india insurance maternity benefits free
Many insurers have free programs that are designed to help women have a healthy pregnancy. For newborns: Gonorrhea preventive medication for the eyes and newborn screening for congenital hypothyroidism, hearing problems, phenylketonuria (PKU), and sickle cell anemia.(Some religiously affiliated employers may be exempt.) Contraception and birth control counseling: All contraceptive methods approved by the Food and Drug Administration, including sterilization procedures, and patient education and counseling.Includes breast pump purchase or rental (more on this below). Breastfeeding support and supplies: Comprehensive lactation support and counseling from trained providers during pregnancy and postpartum.Infection screening: Screenings for infections that can affect your baby during pregnancy, including hepatitis B, chlamydia, gonorrhea, syphilis, and urinary tract infections (UTIs).Gestational diabetes screening: You'll most likely get screened for gestational diabetes between 24 and 28 weeks of pregnancy, or at your first prenatal visit if you're at high risk.Iron-deficiency anemia screening: Your blood will be tested for anemia at your first prenatal care appointment and again later in pregnancy.(If there's a chance this blood protein is incompatible with your baby's, you'll need to take certain precautions.) Rh incompatibility screening: Your blood will be tested to determine your Rh status at your first prenatal care appointment.Tobacco use screening, intervention, and counseling: Special expanded counseling for pregnant women.Alcohol misuse screening and counseling: All public health officials in the United States recommend that pregnant women avoid alcohol entirely.Folic acid supplements: Experts recommend that all women of child-bearing age take 400 micrograms of folic acid a day to reduce the risk of having a baby with a neural tube defect.All preconception and prenatal care visits.
For pregnant and postpartum women and newborns, these benefits include: The Affordable Care Act requires all qualified plans to provide many pregnancy, children's health, and well-woman benefits for no extra cost.
What pregnancy and newborn services are covered for free? You may want to switch to a new health plan.
If you do have a grandfathered plan, carefully review your pregnancy and childbirth coverage. To find out whether your plan is grandfathered, call your plan provider. However, some older plans, known as grandfathered health plans, are not required to cover pregnancy, childbirth, or preventive care. The Affordable Care Act ("Obamacare") requires all qualified health plans to cover maternity care and childbirth as well as many free services mentioned below. How can I tell whether my insurance plan will cover my pregnancy?