Having a baby should be a joyful event, one that shouldn’t negatively affect couples for years after. Good health is especially important, as the need for medical intervention decreases significantly when the mom is naturally healthy. Of all the beneficial things a mother can do to help her baby grow well, good nutrition is the best gift she can give her baby. Another great gift for the expecting couple is a good insurance plan that will help cover their birth.
What You Should Know
Open enrollment for the Marketplace and individual health plans is now available for 2019. The last day to make plan selections of changes is December 15, 2018. Coverage will begin January 1, 2019. In most states, you only have six weeks to make a decision on an individual health insurance or Affordable Care Act (ACA) exchanges plan.
You can sign up for health insurance on your state’s health insurance exchange or individual marketplace only during an annual open enrollment period, unless you have a “qualifying life event,” such as getting married or having a baby.
If you buy health insurance through your workplace, your employer will inform you about its open enrollment period. The information below is for people buying health insurance on their own.
What Are Your Options?
If you’re buying health insurance on your own, you have several options for purchasing a policy:
- From your state’s health insurance marketplace — check Healthcare.gov to find yours
- Directly from a health insurance company
- From websites like Insure.com that offers health insurance quotes from multiple carriers
- From a health insurance agent
If you are not pregnant yet, health share insurances are some of the best for covering maternity care.
How to Find the Right Plan for You
Doing a Google search for “Health Share” + Utah will bring up several companies, allowing you to research their rates. For healthy families, the monthly rates can be very affordable. They will generally offer maternity coverage in “out-of-hospital” settings, minus the deductible.
If you are currently enrolled in a marketplace health insurance plan it will automatically renew. However, the plan may make changes to its provider network, co-pays, co-insurance and drug coverage. No matter how long you have in your area, it’s important not to delay in choosing a plan once open enrollment begins.