Michigan is one of the top fifteen most affordable places to raise a family. Flushing, MI, offers plenty of great parks, museums, and other family-friendly venues that kids of all ages can enjoy. Even so, deciding to start a family or have more children is a significant decision, especially if you have financial or career-related concerns. Maternity health insurance can help by covering many of the costs associated with pregnancy and childbirth, but it’s essential to understand how it works before purchasing a policy.
Coverage Options
If you don’t already have health insurance, it’s best to purchase a plan that complies with federal mandates. These plans are required to cover OB-GYN visits, labor, delivery, and postpartum care. Additionally, ACA-compliant plans purchased through the health insurance marketplace cannot deny coverage for an existing pregnancy. Short-term health coverage that isn’t ACA-compliant typically won’t cover maternal healthcare.
If you’ve recently changed jobs and your employer offers healthcare, check the employer’s policy to see when maternal healthcare coverage begins. The waiting period may be up to 90 days, meaning you won’t receive maternal healthcare coverage if you were already pregnant when you started the job or became pregnant shortly afterward.
Call Vernon Agency for More Information
Health is the ultimate wealth, especially when you’re caring for yourself and an unborn child. To ensure you have maternity healthcare insurance that provides the coverage you need, contact Vernon Agency today. Our team serves families in and around Flushing, MI, and we can help you understand your insurance options and select a policy or policy bundle that offers the protection you deserve.
