Health Coverage for Maternity
Maternity Health Insurance Coverage
Maternity health insurance coverage is an important family benefit. The average cost of a normal pregnancy averages $7,000, jumps for a high-risk pregnancy, and skyrockets for premature birth. Proper medical care while you are pregnant is crucial to your health, and the well-being of your infant.
Know the rules, where the holes are, and how to fill them. Also find valuable resources to protect your job during parental leave, and to create security if you are already expecting.
Health Insurance and Maternity Leave Protections
Affordable Care Act and Maternity Coverage
The Affordable Care Act became law on March 23, 2010. The Healthcare Reform Law stipulates that beginning in January of 2014 health insurance plans in the individual and small group markets must provide ten different “Essential Health Benefits”. Included on that list is hospitalization, maternity, and newborn care.
Beginning in October of 2013 you can enroll in a plan that will provide a minimum level of coverage to pay prenatal care, hospitalization, and baby care expenses. The coverage will be effective January 1, of 2014.
If you are expecting to delivery in 2013, your choices are limited to the options outlined above. For those expecting to deliver date in 2014 you may be able to cover your hospitalization; preexisting conditions must be covered with no waiting period.