Stupid question about insurance

melisb25

Are you supposed to call your insurance company to let them know you are PG? This is probably a really stupid question but as I was laying in bed thinking of a million things this morning I realized I had no idea!

nancyandnate

It probably depends on your coverage. ?Some policies want to do pre-admission notifications on any hospitalization. ?The most common thing I've seen with insurance and pregnancy is getting you into a free program where a nurse calls every month or so. ?

lil_rhody

Last time, my doctor's office took care of that.

vml14

The doctor's office should take care of all of that for you...

MelissaSue81

i didn't.. my ob just notified them after my first or 2nd appt.

I think some companies do require this though.. although I can't see why.. since they would know by what your OB is billing for. 

valerieanderic

My dr gave me a book that had a list of questions to ask my insurance. Here's the list if you want to call yours....

Does the policy cover education for birth, breastfeeding and parenting?

Am I assigned to a specific primary care clinic?

Are there copayments? Deductable or out of pocket maximum?

Does the hospital stay need to be pre-approved?

How long can I stay in the hospital for a vaginal delivery? Cesarean?

Does authorized hospitalization begin at the time of delivery or admission?

Is circumcision covered?

What coverage is required if baby requires additional hospitalization?

Are home visits by a RN covered?

How do I add the baby to my insurance?

Hope that helps!!