It is universally accepted that motherhood is one of the most rewarding human experiences, but it is surely also the most stressful, especially for first-time parents. By keeping yourself prepared however, you can help to make your life a little more manageable. The Pacific Prime team has put together a few tips in order to help families prepare for their very special deliveries.
Health care has become one of the fastest growing expenditures as a proportion of household income around the world, and the cost of delivering a baby has skyrocketed in recent years. Pacific Prime advisors can help by ensuring that you have the coverage you need to offset the costs of your prenatal, delivery, and newborn care.
While many couples are fortunate to able to conceive a child without medical assistance, an increasing number of mothers are resorting to in-vitro fertilization (IVF) and other costly fertility treatments in order to have a baby. Note that most fertility treatments are not covered by standard health care plans. If you or your partner are considering fertility treatments, it may be worthwhile to speak to your insurer about what might be covered. A Pacific Prime representative may be able to point you in the right direction. An alarming number of women are unaware of standard waiting periods for maternity coverage, which can be up to a year before conceiving. Getting maternity insurance while already pregnant can be very difficult – almost impossible, so it pays to plan ahead of time whenever possible. Waiting until after conception to determine your health insurance policy will very seriously limit your options. Furthermore, it is important to be clear on what your maternity insurance will cover. Ask a lot of questions as many standard maternity insurance plans will have a number of exclusions which could leave you paying out of pocket for unexpected complications.
Physicians may differ slightly in the recommended number of prenatal check-ups necessary, so make sure that your insurer covers whatever your doctor recommends. Also be clear on whether related lab work, ultrasounds, supplements, and medications are covered under your health insurance plan. Under extremely rare circumstances, prenatal surgery may be required, which is a very expensive undertaking. You will want to have a very frank conversation with your insurer if this is covered under your health care plan, too. Again, it's strongly advised to have these discussions about how to approach complications, even before you plan on conceiving a child.
Most maternity plans will only cover the cost of a standard delivery, without complications. Costs can mount even for common occurrences like Caesarian section, overnight hospitalization, and congenital defects in the newborn infant. Of course millions of babies are safely delivered every year, but pregnancy and childbirth put a serious strain on a woman's body, and there is potential for things to go wrong every step of the way. Should the unthinkable happen at delivery, you want to be focused on the health of mother and baby, not concerned with astronomical medical bills.
Postnatal and Newborn Care
Like most fellow mammals, human beings are absolutely helpless and vulnerable at birth. Newborn care is not necessarily included in an average health insurance plan, so make sure that your infant child is covered against any type of emergency. Neonatal health care is extraordinarily expensive due to the difficulty of treating very small and fragile patients. Immunization, incubation, and overnight hospital stays may all be required for a newborn and recovering from childbirth may also be complicated for the mother. At minimum, it will require a lot of rest. Check with your employer about maternity and paternity leave options, and be sure to add your new arrival to your family's insurance plan.
How Pacific Prime can Help
The team at Pacific Prime has advised thousands of expectant mothers on their maternal health insurance coverage, and has established a strong reputation for providing unbiased advice to prospective policyholders. If you're wondering whether or not you have the right maternity coverage or if you're looking for the best maternity coverage for you, feel free to contact us and we'll be glad to help you out.