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Coverage for your medical care will be based upon your insurance plan. The following questions have been provided to assist you in getting clear information from your insurance carrier. Obtaining
this information is your responsibility
and will support you in a smoother hospital experience. |
Name of Insurance Company
Policy #
Date Called
Name of Contact Person
Questions to ask your insurance company
1. Does my hospital stay need to be pre-approved? (If yes, this is the patient’s responsibility to do so. Your insurance card should have the necessary information on the back.)
2. How many days am I authorized to stay for a vaginal birth? What if there are complications? Does authorization start from time of admission or time of birth?
3. How many days am I authorized to stay if I have a cesarean birth?
4. Is there coverage for a home visit by a Registered nurse?
5. What coverage is provided if my baby has to stay in the hospital longer? Is there any coverage for the mother to stay?
6. What is the process for adding my baby to the insurance policy?
7. Will I be notified if benefits in my plan change?
As soon as you know that you are pregnant, review your insurance policy and call the company. In almost all cases, this is your responsibility. You may need to pre-register with your company, or receive prior authorization before you deliver! Check with them to see how long they will pay for your stay and what services are covered. Make a note of what representative you spoke with and the date/time, and any reference number they may give you. At the time of this printing, most insurance companies are covering a 2 night stay for a ‘normal’ vaginal delivery, and a 4 night stay for an ‘uncomplicated’ cesarean section.
Good prenatal care is vital
If you have no insurance or maternity coverage with your policy, please speak with your physician or midwife about this immediately. There are public support programs available to ensure adequate prenatal care.