My husband and I are planning to start a family soon, and we're looking into all the costs. We have Medicare. Does Medicare cover pregnancy expenses, or do we need additional insurance?
Oh god, I used to worry about this so much during my first trimester! Honestly, US Medicare usually doesn't cover pregnancy unless you meet very specific age or disability criteria, but if you are in India talking about corporate health insurance, please check the maternity sub-limits carefully. I spent sleepless nights reading policy PDFs because the delivery cost at my premium hospital was so high.
Literally all I can think of is if insurance covers the crazy midnight food cravings! But seriously, check with your insurance provider directly to see what packages they offer. I had to pay out of pocket for all my favorite juice and snacks anyway, but my husband's office policy covered the main delivery charge.
Beta, health and diet ko priority banao first. In our times we managed things simply at home, but nowadays hospital charges are so high. Let your husband figure out the policy details with the office HR, you just drink warm milk with badam and stay happy.
Actually even I am trying to figure this out! We are planning a baby next year and hospital packages look so expensive in India. Let me know if you find a good plan that covers maternity from day one itself.
Yes, hospital costs can really hit your pocket if you don't plan. Please check if your corporate insurance covers maternity, and also ask about the waiting period. We kept a separate emergency fund of 1.5 lakhs just for tests and delivery charges because many policies have a cap on maternity.
