There are a lot of health care costs to manage when you’re expecting. If you have purchased short term disability to cover income while you’re on maternity leave, or hospital indemnity insurance to cover things like hospital admission or NICU costs, you’re likely paying even more.
These policies’ premiums generally aren’t too insane, and it’s common for employers to bring in a salesman once a year to try to sell them to you as a benefit. Depending on your near-future plans they can be a good price/value ratio.
While you’re paying out insurance premiums, make sure you’re taking advantage of every last benefit. Here are a couple ways to get the most out of your pregnancy health insurance that most expecting mothers don’t think to ask about.
Get Your Breast Pump Through Health Insurance
The ACA requires insurance companies to cover breast pumps. TRICARE and most state’s Medicaid plans also cover this benefit. There are a few private insurers that are still trying to catch up with the law, but odds are your policy should be paying instead of you.
If your pregnancy health insurance policy doesn’t cover a breast pump for you to own, odds are it will cover breast pump rentals. Especially while you are in the hospital, and especially if you and baby are having feeding problems or any other health issue that is preventing breast feeding.
While it’s great to have coverage, filing even more insurance paperwork while you’re pregnant doesn’t exactly sound like a fun time. Luckily, medical equipment providers will often handle the insurance and prescription nightmare for you. I was so glad for this when I had my kids.
One such medical equipment provider that operates in almost all of the contiguous United States is Aeroflow Breastpumps. They make the process super easy–all you have to do is fill out a single, one-page form.
This video shows you what they do on the back end from there. The fact that they take all of this work off of your plate is a beautiful thing:
Pregnancy Rewards Programs
Many insurance policies also come with rewards programs. These programs are usually set up so that if you’re taking good care of yourself during pregnancy–by doing things like taking your prenatal vitamins and going to all of your doctor’s appointments–you get some type of baby gear.
The three most common things I’ve seen are:
- a free stroller.
- a free pack ‘n’ play.
- a free car seat.
Call and ask your provider if they offer anything like this. Any one of these items can easily set you back at least $100 if not more, and none of them are the greatest things to buy used.
Want more? Check out other potential hidden benefits in your health insurance plan.
This post originally aired on Femme Frugality on January 11, 2013. It has been revamped to reflect changes in health care law with the support of Aeroflow Breastpumps.