1. Having a child gives you a special opportunity to buy health insurance
The Law reform of health care set up a designated period of time during which people can shop for health coverage. If you buy a plan during the open enrollment period, you will receive guaranteed benefits, including maternity care. But what happens if you miss the open enrollment period, which ended March 31, 2014? Good news - for a child qualifies you for a special enrollment period - a short window of time to sign up for health insurance typically sold during open enrollment. You have 60 days from the birth of your child to buy health coverage with guaranteed benefits such as maternity care.
2.You can not be charged more to be pregnant
Remember this long list of questions you had to answer when applying for a health coverage? This has been used by health insurance companies to determine the rate they charge for insurance. Historically, if you are expecting a child, you will be charged more or denied coverage. Under the new law on health care, you can not be denied coverage or charge more if you buy insurance during Open Enrollment or a special enrollment period.
3. You can save money if your doctor is in your network
The health insurance companies negotiate lower rates with a specific network doctors and hospitals to help keep costs down. You can save money on out-of-pocket costs remaining within the network. If there is an OB / GYN or pediatrician you prefer, consider a health plan that includes that doctor in its network. We are here to help you find a plan that lists your favorite doctor in the network and balance your health needs and your budget. To work with a licensed counselor GoHealth free, call us at (888) 322-7557. We are happy to help you.
0 Komentar