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Your health insurance policy is intended to cover many aspects of your well-being. If you’re pregnant, you may have many questions about your health insurance coverage. The following guide will help you get started to ensure you and your child receive quality medical treatment. 

3 Questions to Ask Your Insurance Agent When Pregnant

1. Which Doctors Are Within Network?

Many health insurance plans entail a network of practitioners that policyholders must choose from when seeking medical care. Going outside of the network often incurs an out-of-pocket expense for some or all of the costs for treatment. Make sure you know which obstetricians are within your network before picking a doctor. 

2. Are Extended Hospital Stays Covered?

health insuranceA hospital stay may be necessary for the new mother, her baby, or both after the delivery. The extent of which insurance coverage will apply in this case is a crucial concern. Some policies won’t provide coverage after labor, while others will only provide coverage for a limited period. Understand these limitations before signing up to make the best decision. 

3. What Else Is Covered?

Along with medical care and procedures, some policies also offer coverage for additional items. For example, your insurance may provide funding for childbirth classes or allow you to hire a doula to support you during labor.

You should also inquire about what types of medical testing and procedures are covered. The more information you have about your policy options, the more empowered you’ll be to make a good decision. 

 

Working with a skilled yet compassionate health insurance company is a must for pregnant women. The agents at IGO Insurance in Raleigh, NC, have been committed to providing top service to their clients. The agency was founded in 1970 and was purchased by former Chief Operating Officer Jimmie Robertson in 2013. As an independent agency, policyholders are privy to quality coverage at affordable rates. If you have questions, call (919) 782-1560 to schedule a meeting with an insurance agency, or get a quote by visiting the website

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