As i written before on how to choose or buying an insurance, health insurance is on of the most important thing we should consider, due to a high expenses on hospital bills nowdays, not excluded in Indonesia also.
If you're a new or expectant mother, good health insurance coverage is now more important than ever. You'll depend on your health insurance for everything from prenatal and maternity care for you to pediatric visits and immunizations for your baby.
To avoid surprise medical bills during this wonderful time, it's important to learn the terms of your health insurance coverage right now. You'll also need to take steps to maintain your health insurance coverage if you lose or quit your job.
Before you set up your first obstetrician (or midwife) appointment, it's smart to figure out what your health insurance will (and won't) cover. In Indonesia, it is almost a certainty that midwife would not be covered as the industry is still find their firm position, and not much of midwifes has professional partnership with insurance companies. Get the answers to the following questions from your company's benefits department or through your health insurance plan's customer service hotline:
• Does the plan cover prenatal and maternity care? If you work for an employer with 15 or more employees, a federal law requires that your plan cover your pregnancy-related medical bills.
• Will you need preauthorization for any of your prenatal or maternity care?
• Must you contact the health insurance company when you're admitted to the hospital for labor and delivery? Some health plans will penalize you financially if you don't call shortly after your admission.
• What are the plan's rules regarding in-network and out-of-network healthcare providers? What about hospitals? If the plan provides greater coverage for in-network providers and hospitals, ask for a directory of ones in your area.
• Will you need a referral from your primary care doctor to see an obstetrician? Although most plans don't require this, they might require a referral for a specialist in the event of complications.
• What coverage does the plan provide for prenatal tests such as ultrasounds and amniocentesis procedures?
• How long of a hospital stay will the plan cover after delivery? Will the plan cover an extended stay if medically necessary?
• Does the plan have an annual reimbursement limit? If it does, then it won't pay for healthcare costs that exceed that limit.
If you want to use a certified nurse midwife or deliver your baby in a birth center or at home, find out what coverage your plan provides in these situations. Most plans cover a certified nurse midwife, and some will pay for delivery at certain birth centers or at home.
With the arrival of a new baby comes the arrival of medical bills from the pediatrician, the nursery, and (in some cases) the neonatal intensive care unit. In fact, a bill from the hospital may be the first piece of mail your baby receives with his or her name on it. Here are some questions to ask to ensure that you've covered your insurance bases before your baby arrives:
• What's the procedure for adding your new baby to your plan?
• Will the plan cover your newborn's nursery stay? Remember that your newborn's hospital bill will be separate from your own. Typically, a health insurance plan will provide coverage only if you enroll your child for dependent benefits within 30 days of birth.
• Will the plan cover the costs of a neonatal intensive care unit (NICU) stay for your newborn?
• What are the plan's rules regarding in-network and out-of-network pediatricians? If the plan provides greater coverage for in-network pediatricians, ask for a directory of ones in your area.
• Does the plan cover well-child care, such as your baby's first set of pediatrician appointments and vaccinations?
If you're a new or expectant mother, good health insurance coverage is now more important than ever. You'll depend on your health insurance for everything from prenatal and maternity care for you to pediatric visits and immunizations for your baby.
To avoid surprise medical bills during this wonderful time, it's important to learn the terms of your health insurance coverage right now. You'll also need to take steps to maintain your health insurance coverage if you lose or quit your job.
Before you set up your first obstetrician (or midwife) appointment, it's smart to figure out what your health insurance will (and won't) cover. In Indonesia, it is almost a certainty that midwife would not be covered as the industry is still find their firm position, and not much of midwifes has professional partnership with insurance companies. Get the answers to the following questions from your company's benefits department or through your health insurance plan's customer service hotline:
• Does the plan cover prenatal and maternity care? If you work for an employer with 15 or more employees, a federal law requires that your plan cover your pregnancy-related medical bills.
• Will you need preauthorization for any of your prenatal or maternity care?
• Must you contact the health insurance company when you're admitted to the hospital for labor and delivery? Some health plans will penalize you financially if you don't call shortly after your admission.
• What are the plan's rules regarding in-network and out-of-network healthcare providers? What about hospitals? If the plan provides greater coverage for in-network providers and hospitals, ask for a directory of ones in your area.
• Will you need a referral from your primary care doctor to see an obstetrician? Although most plans don't require this, they might require a referral for a specialist in the event of complications.
• What coverage does the plan provide for prenatal tests such as ultrasounds and amniocentesis procedures?
• How long of a hospital stay will the plan cover after delivery? Will the plan cover an extended stay if medically necessary?
• Does the plan have an annual reimbursement limit? If it does, then it won't pay for healthcare costs that exceed that limit.
If you want to use a certified nurse midwife or deliver your baby in a birth center or at home, find out what coverage your plan provides in these situations. Most plans cover a certified nurse midwife, and some will pay for delivery at certain birth centers or at home.
With the arrival of a new baby comes the arrival of medical bills from the pediatrician, the nursery, and (in some cases) the neonatal intensive care unit. In fact, a bill from the hospital may be the first piece of mail your baby receives with his or her name on it. Here are some questions to ask to ensure that you've covered your insurance bases before your baby arrives:
• What's the procedure for adding your new baby to your plan?
• Will the plan cover your newborn's nursery stay? Remember that your newborn's hospital bill will be separate from your own. Typically, a health insurance plan will provide coverage only if you enroll your child for dependent benefits within 30 days of birth.
• Will the plan cover the costs of a neonatal intensive care unit (NICU) stay for your newborn?
• What are the plan's rules regarding in-network and out-of-network pediatricians? If the plan provides greater coverage for in-network pediatricians, ask for a directory of ones in your area.
• Does the plan cover well-child care, such as your baby's first set of pediatrician appointments and vaccinations?
Those are the basics thing to consider on choosing pregnancy insurance coverage. Hope this
article will be heplfull for you.
article will be heplfull for you.
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