How Obamacare Affects Moms-to-Be
From infertility to pregnancy to newborn care, find out how Obamacare is changing the face of insurance coverage for moms and moms-to-be.
The Affordable Care Act has sparked endless political debate, but now that Obamacare is officially the law of the land, how has health insurance coverage changed for moms and moms-to-be? With help from the insurance experts at GetInsured, an online insurance marketplace, here’s a rundown of some major benefits that affect moms (and women planning to become moms) the most.
Coverage for Fertility Issues: Out of luck in the past getting your insurer to cover even the most basic of fertility treatments? “As a result of the Affordable Care Act, 22 states now have mandates to cover certain aspects of infertility treatments as part of their new exchange plans,” says Katie Boyd, GetInsured VP of Content.
Where do you have to live? States including Alabama, Iowa, Kansas, Michigan, Nevada, New Jersey, North Carolina, South Dakota, Tennessee, Virginia, Wyoming, Georgia, Hawaii, Illinois, Maryland, Montana, New Mexico, New York, Rhode Island, Texas, Connecticut, and Massachusetts, currently carry infertility care mandates. This means that women who live in these states and buy their health insurance plans through their state exchanges will have some access to infertility coverage (exact coverage and copays/premiums will vary). Connecticut, Hawaii, Illinois, Massachusetts, New Jersey, and Rhode Island even include IVF coverage in their Obamacare plans.
Pregnancy Is Not a Pre-Existing Condition: “Before the ACA, pregnant women trying to obtain health insurance coverage were sometimes denied coverage because pregnancy was viewed by certain insurers as a ‘pre-existing’ condition,” explains Boyd. If you are pregnant right now and still thinking about signing up for an Obamacare health plan, pregnancy won’t be an issue. This means, says Boyd, that moms-to-be can now focus on finding the best plan for themselves and their babies. “My tip for expectant moms is to look for a plan on the healthcare exchange keeping in mind that when your baby is here, your choice of pediatrician and other pediatric services will become important.”
More Money In Moms’ Pockets: According to GetInsured policy advisor Ivan Williams, “Under the ACA, plans purchased on the exchange offer a number of ‘essential health benefits’ to moms, including coverage for regular OB appointments, prenatal screening tests such as gestational diabetes screening, and newborn care.” If you plan to breastfeed, the law requires that new health plans cover any type of breastfeeding support, including supplies and the cost of a renting a breast pump.
To find out what all this means for your current health coverage, get in contact with your policy administrator to find out what has changed (pre-existing plans may be “grandfathered” and the ACA won’t affect coverage) or visit Healthcare.gov to start learning more about the insurance exchanges in your state and how to enroll. GetInsured also has a handy insurance guide for expectant parents explaining new health care rules.
As for what the future holds? With better fertility coverage and less worry about obtaining quality, affordable prenatal and newborn care, some are saying that the stage is being set for an Obamacare baby boom. Has insurance coverage played a role in your decision to become a mom?
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