Maternity Care
Benefits for maternity care are available only to you or your
spouse. Charges related to the pregnancy of a dependent
child are not covered.
All care of the mother and the unborn child before the
birth is treated just like any other medical care covered
by the Plan. In addition, under federal law, group health
plans generally may not restrict benefits for any hospital
length of stay in connection with childbirth for the
mother or newborn child to less than 48 hours following
a vaginal delivery, or less than 96 hours following a
cesarean section. If a longer stay is medically necessary, a
care coordinator must approve the needed extension
of time.
Care and services that diagnose or treat the condition of a
fetus before birth are not covered (unless medically necessary).
Such treatments include but are not limited to:
- Amniocentesis and/or chromosomal analysis;
- Fetal monitoring;
- Pregnancy-related ultrasounds;
- Alpha fetoprotein; and
- Chorionic villus biopsy.
