If you get insurance through your employer, you don’t have to worry about whether insurance will cover maternity care. The company is required to do so by law.
But that doesn’t mean the insurer will be very generous. Because in the United States, having coverage doesn’t mean you’re well-covered. Employers are increasingly corralling their employees into high out-of-pocket insurance plans, with deductibles, copays, and co-insurance exposing them to crippling out-of-pocket expenses.
Consider an analysis publicized in Health Affairs exploring trends in out-of-pocket spending among pregnant women with employer-based health insurance.
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