I remember when I was a little girl and I overheard an older cousin of mine talking about her soon-to-be child birth.  She was saying that she and her husband were planning a ski trip for January right around the time the baby was supposed to be born.  She had decided to go ahead and plan to have her labor induced on a specific day so she could make the ski trip.

Without making any judgment calls about her decision, let’s look at it from a Medical Insurance point of view.  Induced labor by choice is considered an elective procedure if it is done for convenience to accommodate busy schedules.  What does that mean for your pocketbook should you decide to have induced labor?  It would fall under the same category as cosmetic surgery.  That means “not covered” by your Medical Insurance policy.  You would pay all hospital and doctor charges yourself, and your Medical Insurance policy would pay none of the costs.

The American Pregnancy Association gives us some of the reasons when Medical Insurance would cover induced labor.  Labor is likely to be induced when:

  • A complication develops such as: hypertension, preeclampsia, heart disease, gestational diabetes, or bleeding during pregnancy.
  • if the baby is in danger of not getting enough nutrients and oxygen from the placenta
  • Your amniotic sac has ruptured but labor hasn’t started within 24-48 hours
  • Your pregnancy is prolonged beyond 42 weeks; there is evidence that some babies are at risk after this stage due to a gradual decrease in the supply of nutrients from the placenta.
  • There is an infection inside the uterus known as chorioamnionitis.”

If your medical condition matches any of the above criteria then your Medical Insurance provider will pay the charges incurred for induced labor.  What you will pay out of your own pocket depends on what type of medical insurance policy you have. For instance, BlueCross/BlueShield of Florida has a medical insurance policy with a maternity rider that’s excellent. That Medical Insurance plan is called the Copay Option and this is how it works:  You pay a $35 copay for the initial office visit, then a $150 hospital copay per day up to a $750 maximum.  So, you would pay your monthly medical insurance premium and then a maximum out-of-pocket of $785 and your medical insurance carrier would cover the rest of the bills.  We carry BlueCross/BlueShield at Insurance Medics.  Please give us a call so we can discuss an insurance plan that will work for you and your family.  All Health Insurance Quotes are complimentary…

Medical Insurance

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