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Most health insurance plans cover the delivery and related expenses of having a baby. Maternity benefits are now mandated by the ACA (Affordable Care Act) and any Marketplace Metal plan must cover these expenses.
A deductible could apply and there will be some out-of-pocket expenses. Also, if you have a grandfathered plan, it is possible that maternity benefits will not be covered.
Congratulations! Great question! You should check with your insurance company if you got the policy through your workplace just to be 100% certain, but most all policies will cover most, if not all of your maternity claims. The Marketplace policies, if you purchased one there are required to, another benefit provided by the ACA. If you need any help, (except babysitting) please feel free to contact me. Again, Congratulations, and thanks for asking!
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Under the affordable care act, a core of 10 essential health benefits must be met under each marketplace health plan on or off the exchanges. One of these benefits is maternity and newborn care. This includes care women receive during pregnancy, including prenatal care, in labor, delivery and post-delivery, and care for newborn babies.
The general answer to your question is "Yes". Certainly all major medical policies issued on or after January 1, 2014 have to cover maternity as they would any other illness (generally subject to the plan's deductible and coinsurance coverage provisions).
It is possible that a person who has an older health insurance policy that was in effect prior to March of 2010 and that has not been modified since that time is what is called a "grandfathered" policy and it might not cover maternity. This would be most likely to occur with someone covered under an individual health insurance policy though there is some chance that it could be in the group setting depending upon the state you are located in and the insurance carrier you are covered with.
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A deductible could apply and there will be some out-of-pocket expenses. Also, if you have a grandfathered plan, it is possible that maternity benefits will not be covered.
It is possible that a person who has an older health insurance policy that was in effect prior to March of 2010 and that has not been modified since that time is what is called a "grandfathered" policy and it might not cover maternity. This would be most likely to occur with someone covered under an individual health insurance policy though there is some chance that it could be in the group setting depending upon the state you are located in and the insurance carrier you are covered with.