How do you tell your insurance company that you are pregnant? When do you tell them? And what information should you ask them for? Sometimes the thought of dealing with an insurance company can seem a little overwhelming, but these are all very natural questions to have when you are pregnant (and having the right answers will make you feel much better).
A good thing to remember is that you are not alone. Your insurance provider is there to help you. They have plenty of experience, so remain positive and optimistic that they will guide you through the process.
Deciding When to Contact Your Insurance Company
In general, you should call your insurance company as soon as you find out that you are pregnant. Since you will need to plan for the hospital stay in advance, it will be easier if you have more time to schedule it. But don't worry if you have already waited awhile; there are a lot of hospitals that can work around your time frame, even up to the last minute. Another reason to tell your insurance company soon is that it will put your mind at ease, and allow you to focus on more important things, like your baby.
Things to Tell the Insurance Company
When you first contact them, be sure to give the company as much information as possible, including how far along you are and if this will be your first child. These details will assist them in guiding you to the best options.
Tell them that you would like to see a list of family practitioners and obstetricians in your area who participate in their insurance plan. Also, let them know that you would like your baby added to your policy as soon as he is born. This is very important because if it is not noted to your account ahead of time, you will have to call them back on the day of the birth, and all expenses up until the time of that phone call may not be covered.
What to Ask the Insurance Company
A simple way of finding the right information is to have questions ready before you contact your insurance company. Start with asking them about your current policy and what kind of coverage you have for pregnancy. Specifically, you need to know if hospital bills and prescribed tests are covered, and if there are certain procedures that need to be preapproved. They will also tell you if there are limits to your policy and if there is an upfront deductible for you to pay.
The purpose of the call is to plan for all possible situations, so you will be talking about what happens if there are complications involved with the pregnancy or you have a premature delivery. In addition, if you are interested in having an at-home birth or a midwife, you can ask them if either is covered. To avoid surprises, you need to discuss with the insurance company how payments will be handled. They can be made to you or directly to your health care provider.
Once you have reviewed the above items, you will be very well prepared when talking to any insurance company about your pregnancy options. Feel free to add any questions or concerns you may have to the conversation as well. A reputable insurance company should be there to help you.