Mothers Day is the day we honor our mothers. It is also a day when mommy’s to be may start to think about having a baby.  Health plans play a very important part in the planning.  At they say it costs anywhere from $3500 to $10,000 for the blessed event.  To protect yourself and your savings account you should buy maternity coverage. Some plans may have low deductibles but higher health insurance premiums.  Other options include a high deductible health plan with lower health insurance premiums.

How should you take care of yourself before you get pregnant?  Women’s Health has some great advice. “You should start taking care of yourself before you start trying to get pregnant.  This is called preconception health.  It means knowing how health conditions and risk factors could affect you or your unborn baby if you become pregnant.  For example, some foods, habits, and medicines can harm your baby- even before he or she is conceived.  Some health problems also can affect pregnancy.”  Women’s Health also suggests that women should give themselves at least 3 months to prepare before getting pregnant.  Here are the 5 most important things to do before you become pregnant:

1.Take 400 to 800 micrograms of folic acid

2. Stop smoking and drinking alcohol

3. If you have a medical condition like asthma, diabetes, depression, high blood pressure, obesity, thyroid disease, or epilepsy make sure it is under control.

4. Talk to your doctor about any over-the-counter and prescription medications you may take

5. Avoid contact with toxic substances

When the happy days arrives that you think you may be pregnant make an appointment for your first prenatal visit.  Again, from Women’s Health this is what you should expect your doctor to do:

•Ask about your health history including diseases, operations, or prior pregnancies

•Ask about your family’s health history

•Have a complete physical exam, including a pelvic exam and Pap smear

•Take your blood pressure, height, and weight

•Calculate your due date

•Answer all your questions

Most important of all make sure have one of the best available health plans in place.  Individual insurance has a waiting period.  You may NOT be pregnant when the insurance is bought. In Florida Blue Cross Blue Shield offers maternity coverage with two options; a deductible and a copayment.  With the deductible option, once the deductible is met, BCBSFL pays 50% for all covered services during pregnancy and delivery.  With the copayment option, you pay a $35 copayment for the initial office visit, then $150 inpatient Hospital copayment per day up to a $750 maximum.  There is a waiting period of 30 days before you may conceive.  Have more questions or need a quote?  Just give us a call at Insurance Medics and we will be happy to provide you with all the information you need.  Relax, we’ve got you covered!