Insurance question for pregnant women!?
If i purchase individual insurance, will it cover birth if I go contained by labor, or do I need to purchase the flexible materity benefit. Right now I am checking out United Healthcare. I am not pregnan nonetheless, so I am trying to get insured previously I am
Answers:
You are very sagacious to plan ahead. Look into Life Insurance and Disability Insurance while you are thinking about the coverage you necessitate.
Good Luck.
You will need parenthood benefit and the policy will have to be within force at least 10 months earlier the baby is born. You are astute to plan ahead.
Maternity is not automatically covered and some times policies will not cover for a time frame after inception of the policy. My friend had a 2 year waiting interval before she could even get hold of pregnant.
Maternity should be included as part of the policy, but I would specifically ask your agent in the order of it. Ask him to point out on the policy where it is covered, and read meticulously over the exclusions and limitations.
Good Luck!
-A