Why to buy Maternity Health Insurance Plans
Buying Maternity health insurance is truly important. Keeping track of your pregnancy month after month is very fundamental and can be done by a doctor or a midwife. Whether or not personally follow your pregnancy, your doctor is there to ensure you get the finest possibility monitoring. He will, given your personal situation and will advise you, inform you, accompany you.
Sometimes, yet women who have taken out regular insurance are not always covered. Very often, an expensive add-on to a regular insurance premium is needed, while a few providers do not offer maternity coverage at all, merely considering it to be a pre-existent condition.
There are many group insurance plans that do provide maternity coverage as a service to members. There could be a waiting period of three months to one year before the clause becomes effective. What happens if one becomes pregnant during the waiting period? If you are carrying COBRA (extended coverage from a previous employer), check to find if maternity is covered. This may be costly but well worth it.
First follow-up consultation with your doctor or midwife care is to 100% by the health insurance. This consultation must take place before the end of the third month of pregnancy. It is during this review that the health professional will present you the document “First prenatal checkup” that used to declare your pregnancy, and a brochure containing the principal addresses you might need during your pregnancy (Health Insurance Fund, credit union household allowance, PMI, etc).
The health professional then prescribes a first scan support to 70%. An ultrasound is scheduled quarterly to monitor the evolution and health of your child; first blood tests taken over 100% (blood group, screening for rubella, toxoplasmosis, hepatitis B, etc). It may also offer depending on your situation: Pap smear to screen for cervical cancer of the uterus. This smear is assumed at 70%; fetal karyotype and amniocentesis for the detection of a few genetic diseases supported 100%, subject to the fetal karyotype, the prior approval of the medical service of your Health Insurance Fund.
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