Questions to ask your health insurance provider when pregnant

When you become pregnant, you should be asking your health insurance provider a list of questions.

Pregnancy is a beautiful and hectic time. It is in your best interest to be prepared as possible for pregnancy.  Take some time to speak with you health insurance provider to ensure that you know exactly what is covered while you are pregnant:

What is my copay for the standard appointments during prenatal care? (Usually once every 4 weeks from week 10- 26, then every 2 weeks from week 26-34, then every week. Plus an ultrasound appointment and any other appointment the doctor deems necessary.)
Is there a copay for extra visits to my OB during prenatal care?
What is my annual deductible?
Once I reach my
deductible this year, what percentage do we each pay? (Often it’s 80% them/20% you)
What is my individual and family annual out of pocket maximum and how does it work?
Do costs for the baby in the hospital count towards my individual out of pocket max or family out of pocket max?
When do I need to call in to add the baby to the policy to make sure his or her medical needs are covered?
If I need or want testing during the pregnancy, what is covered by insurance and what isn’t?
Do you
reimburse for a breast pump? Which pumps? What is the process?
Is Doctor So & So in network?

Insurance coverage can be overwhelming – confusing options, endless paperwork and tedious legalities.

Cosmo Insurance Agency makes it easy. Our team has mastered every detail of the insurance process and will walk you through the process to the end, so you can be 100% confident when signing on the dotted line.

Cosmo’s dedicated service doesn’t end with the selection and signing of your policy. Whether its healthcare, life insurance, long term care, vision, dental, or disability, Cosmo Insurance Agency will be there every step of the way. Our staff maintains close contact and is always only a quick phone call away for questions or concerns relating to billing, provider issues, claims or reimbursements and your insurance renewal. Give us a call today!


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