Does Hospital-Only Health Insurance Cover Pregnancies?

Most of the pregnancy services and treatments are covered by private hospital covers including assisted reproductive services and medications. The difference between private hospital cover and Medicare is that you’d be able to choose your own doctor (or team of doctors/midwives responsible for your care) as well as the hospital where you’d deliver your baby and stay post-birth. Hospital covers including pregnancy and birth services are often of higher tier and apply a strict 12-month waiting period. Thus, planning for health insurance 12 or more months before is advised.

The extras covers offer some services that may be desirable to some couples such as birthing classes and non-PBS medications. Some may even include unique benefits such as pregnancy compression garments and lactation consultation. If these services are something you may want to access, make sure you get a bundled hospital and extras cover early on.

See here for possible care needs during your pregnancy and how you should prepare for an exciting new life stage!

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