When it comes to insurance and pregnancy, many people feel that anything can happen. Some things are covered, some things are not. What happens if you change jobs in the middle of a pregnancy? Do you lose your coverage? What if your baby has special needs and requires care from the neonatal intensive care unit?

Julie Kelsey from Germantown, Md., was very frustrated with her insurance after the birth of her son. "I received a bill after my son was 18 months old for something that the insurance company kicked back," Kelsey says. "The hospital blamed the insurance company – the insurance company blamed the hospital. Everyone was sure that it was my responsibility. It was horrible and very annoying."

Insurance doesn't have to be so confusing. The secret is knowing whom to go to when you have questions and knowing what your carrier covers as soon as you know that you are pregnant.

A major concern for women who are considering switching jobs while pregnant is wondering if their labor and delivery costs will be covered.

Rae Lee Olson, a spokesperson for Life and Health Insurance Foundation for Education (LIFE), a nonprofit organization that strives to educate Americans about the role personal insurance plays in proper financial planning, as well as a Principal for the Vita Benefits Group, says that pregnant women no longer have to be concerned that pregnancy will be considered a preexisting condition.

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