Insurance
If you have insurance coverage through your employer, you may want to check the
type of coverage and the amount. If you don’t think that you have enough
coverage, you can buy private coverage through an insurance broker.
Tip: If you are considering taking out insurance or
increasing your existing coverage, you may wish
to do so before you get pregnant. Pregnancy is
usually considered a “pre-existing condition.”
There are many types of insurance available, and it can be difficult to understand
the differences. Some common types of insurance are listed below. An insurance
professionals can answer your questions and help you choose the best insurance
for you. Most will offer you a free consultation and insurance needs analysis.
If you have health and dental insurance
through your employer you may want to…
Find out what your extended health and
dental benefits will be while on maternity or
parental leave. You may have to pay the
premiums for health and dental benefits
yourself.
Ask your employer or plan administrator
about any changes to your deductible. The
amount of your deductible may change when
you add a child and go from individual to
family coverage.
Ask your employer about coordination of
benefits if your spouse or partner has
Photo Credit:FreeImages.com-Erik Dungan
health or dental insurance through a separate
plan. Coordination of benefits allows you to
first submit a claim to your plan and then submit the balance of the unpaid
claim, to the other insurer for payment. By coordinating benefits, you could be
reimbursed up to 100% of your eligible expenses. This could be useful if
someone in your family needs an expensive medical service or product such as
dental work or glasses.
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