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Insurance Coverage
During Pregnancy

Advice from Health Insurance Experts

By Teri Brown

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  • According to Olson, there is an important federal law that protects women from being shooed out of the hospital too soon after delivery. In general, group health plans may not restrict benefits for a hospital stay for childbirth for the mother or newborn child to less than 48 hours following a normal vaginal delivery, or less than 96 hours following a Cesarean section. If a mother wants to return home early, she may do so, but insurance benefits cannot be restricted and force her (or the baby) to leave the hospital sooner than 48/96 hours after delivery.

Navigating the confusing waters of insurance coverage while pregnant doesn't have to take away from the joy of your impending birth. Just remember to be vigilant, be questioning and be informed.

Questions to Ask About Insurance Coverage
  • Is pre-authorization required for any care including sonograms, hospital stay or additional testing outside of normal pregnancy care?
  • Does the plan limit the number of inpatient hospital days for regular delivery? C-section?
  • If there are complications, who needs to contact the insurance company?
  • Does the plan limit the number of days my baby can remain in the hospital?


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