Part 5: Be Prepared With Good Insurance

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Transcript

Be prepared with good insurance. I highly recommend taking a good look at your current insurance coverage for prenatal care. If you live in the US and you get your insurance through the state marketplace already, you'll want to contact them because you may qualify for reduced costs or franchise you know that you're pregnant. The standards for low income are adjusted differently for pregnant women and children than for adults in general. So even if you didn't qualify for this prior to pregnancy, you may know. And just to note, if you live outside of the US, you may still want to see if there's insurance benefits the government provides for pregnant women in your region.

Even if your current insurance is through an employer or spouse's employer, you may still be able to benefit from free or reduced costs insurance while you're pregnant. So I would definitely contact the marketplace either way to check. Note that because pregnancy is a special circumstance if you qualify for free or reduced cost coverage, The state marketplace it can set you up with insurance even if it's not during the open enrollment time of year. While you're on the phone with a state insurance marketplace to let them know you're pregnant, you can also check if your baby will qualify for free reduced cost insurance. Regardless of where you live or what you qualify for. You want to set up your baby to be insured after they're born.

There's generally some initial setup during pregnancy. And then once your baby is born, you'll need to contact the appropriate agency or insurance carrier with your infants birthday and name and make sure their insurance is activated. Suggest contacting marketplace over the phone at first and speaking with a representative versus trying to do it online. Because by any whole times, it's usually the easiest way to handle it, at least from my experience. And you have someone you can speak with directly to ask questions. If you can't get your baby free or reduced costs insurance through the Marketplace and you get your insurance through an employer or through your spouse You'll want to find out about how to add your child to your insurance plan.

That is after you start telling people that you're pregnant. So to do next, you can call your state insurance marketplace if you live in the US and check if you qualify for free or reduced cost insurance now that you're pregnant. You can also set up your baby with insurance for after they're born. And they may as well qualify for free coverage or at least reduce cost coverage through the Marketplace. If you need to set up your child with insurance through your your spouse's employer, find out how to do that once you start telling people that you're pregnant. And then when you're ready, you can move on to the next lesson, which is Part Six.

Be prepared with your employment

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