If you’re getting insurance through a parent’s plan, don’t presume the hospital bill for childbirth will be covered.
Although the federal government recently clarified that most insurance plans must cover prenatal care as a preventive service without charging women anything out of pocket, it didn’t address a crucial and much pricier gap in some young women’s coverage: labor and delivery costs.
Perhaps that shouldn’t come as a surprise.
Insurers and some employers have long tried to sidestep paying for maternity care, which includes prenatal, delivery and postpartum services. Individual plans typically refused to pay for pregnancy-related services until the Affordable Care Act established that maternity and newborn care are both essential health benefits that must be
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