It takes moxie and moolah to have a baby. To estimate how much it will cost you, you need to find out what's covered on your insurance policy and what's not.
___ Do I have maternity benefits?
___ Do I have to pay a deductible, and if so, how much?
___ Is there a limit, or cap, on total coverage?
___ What services or conditions are not covered?
___ Are medications covered?
___ Does the policy cover the doctor or midwife I want to use?
___ Which tests are covered by the plan -- and how many? Do I need to get any preauthorizations?
___ What kind of hospital accommodations can I expect?
___ Are education or childbirth classes covered?
___ What procedures do I need to follow before entering the hospital?
___ Am I responsible for filing or submitting any claims?
___ Is an epidural or other forms of anesthesia covered during my hospital stay?
___ How long can I stay in the hospital? What about the baby?
___ Does payment or reimbursement go to the doctor or me?
___ Will I be charged a deductible twice if my pregnancy extends into a new year?
___ How do I add the newborn baby to our policy?
Excerpted from the AmericanBaby.com Ages & Stages weekly prenatal newsletter, Week 9.
Originally published on AmericanBaby.com, August 2005.