Determining Your Health Insurance Coverage

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Determining Your Health Insurance Coverage Questions to ask before your hospital stay Coverage for your medical care for pregnancy, labor, birth and postpartum will vary, according to your health insurance plan. It is your responsibility to know this information. To learn what your plan covers, call your insurance provider during the early weeks of your pregnancy (often, the phone number is printed on the back of your membership card).

Use this worksheet as a guide to help you get a clear idea, in advance, of your coverage. Date/Time of Call __________________ Insurance Company Phone Person Spoken To __________________________________ Policy Number 1. Does my hospital stay need to be pre-approved?

o yes o no 2. By whom? 3.

What do I need to do to receive the pre-approval? NOTE: Ask Questions 4 and 5 exactly as they are written or you may receive inaccurate information. 4.

If I have an uncomplicated vaginal birth, what is the normal postpartum hospital stay for which I do not need a doctor 9s reason to stay longer? 5. If I have an uncomplicated Cesarean birth, what is the normal postpartum hospital stay length?

6. Do you measure the length of hospital stay from o admission or from o the time ... more. less.

of birth? 7. If there are complications, is a longer hospital stay covered for me? For my baby?__________ Is it necessary for me to notify my insurance company? 8. What health care providers are covered under my insurance plan for my baby 9s care? (If you already have a prenatal health care provider, ask specifically if that person is covered.) 9. Is circumcision covered? o yes o no Hearing test? o yes o no 10. What coverage is provided if my baby needs to stay in the hospital longer? 11. Does my coverage include home visit(s) by a registered nurse? o yes o no 12. How do I add my new baby to my insurance policy? 13. Will I be notified if benefits in my plan change? o yes o no 14. Do you cover a breast pump? o yes o no o Rental o Purchase Any requirements? 15. If both you and your partner have insurance coverage, call each company to determine which policy covers your baby for: Hospital stay: Circumcision in clinic: Circumcision in hospital: Baby 9s clinic care after discharge: Home visits: 16. Is a post-delivery tubal ligation covered? o yes o no If yes, how much is covered? If no, is it covered as an outpatient? o yes o no ©2005 Allina Health System Allina Health System Press, Beginnings: Pregnancy, Birth and Beyond , fourth edition, ISBN 1-931876-14-2

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