When you’re looking to become a new mother, you need insurance for yourself and your baby.  As you go to a clinic for prenatal care as well as after the birth for pediatric doctors visits and immunizations.  Insurers will play a vital role in taking care of you financially during these times.

Inform yourself about what will be paid and what won’t be paid by the insurance company.  Don’t let yourself be surprised by a unexplained bills that come in the mail after the baby is born.  It is your job to find out for getting pregnant, what is covered.

When you’re looking for a good health insurance company to cover you during your birth, you need to make sure that you are all in the policy usually at least for six months prior to conception.  Just be sure you found that out before getting pregnant, of course.

Questions to Ask About Baby Medical Insurance

You don’t have health insurance already hear all some things you need to think about and ask plenty of questions. A good place to start would be the insurance companies customer service line:

1. Is it necessary to get preauthorization of any of your prenatal care?
2. Does the insurance cover both prenatal care and maternity care?
3. Do you need to contact your health insurance company when you’re being admitted to deliver the baby? or can the hospital do that for you?
4. Make sure that your hospital is on the in-network group of hospitals that your health insurance works with.  Found that out ahead of time.
5.  Is it necessary for you to be recommended by a general physician to go to an obstetrician for you to be covered?
6. Are ultrasounds covered? ..and if you’re hoping for the splurge, find out the new 3-D ultrasound!  You may get lucky!
7.  If you’re dead set on getting a midwife to deliver the baby, find out if the health insurance would cover that.  You may have to get a certified midwife. 
8. As the insurance company what you do to get your baby on your insurance following the birth.
9.  Find out what the neonatal intensive care coverage will be.  How much will they pay in cases of premature birth.
10. Ask about well-child care like vaccinations as the child grows older. 

There’s a lot to think about when you are getting ready to have a baby.  We often think to prepare in every other way for the baby, but don’t forget the most important thing when it comes to our finances, and that is our health insurance for baby and mother.

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Really, what would she need to be thinking of as a new parent is other ways that you can contribute to the future of your child’s finances and well-being.  You can set up a savings account or even a 401(k), college savings, or even start a savings account going toward their first car.  Whatever your goals are, is important that you consider the long-term benefits of your investment.

Even better, in terms of financial security for your child, it’s get in a insurance policy for yourself or your spouse.  Once you do this, if one of you is incapacitated or dies, your child will still be able to have all their needs met financially.

Nobody wants to think about death, but as the old saying goes…”Nobody’s leaving here alive.” Suggested the best that you can, and invest your money wisely. 

One more thing, if you look at the insurance policies for babies that are often whole life insurance which is considered a not so great deal.  I would probably recommend that the adult who makes the money in the family, or both, take out term life insurance on themselves.  Time off is less expensive, and it really does the job.

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