I have insurance through Horizon BCBS through the ACA since my husband has his own business.  Sent an email last night asking them some questions about what's covered for when I have my baby in Feb.  Just heard back, but they didn't answer my questions since they said I had all my questions answer by someone I chatted with online.  Not totally true...

Hospital stay - I need prior authorization, so I have to tell my obgyn that they have to get that??  If I didn't call, I wouldn't have known!

Baby covered when born? - I didn't even get to this with the online chat since I ended the conversation as quick as I could (she kept ignoring questions I was asking and had to be typing with 1 finger).  The girl on the phone said the baby is covered after 31 days and I have to call within the first 61 days to add them to the policy.  So I repeated what she said, said that's insane and I'll have to find separate coverage for the baby then.  I said I can't believe you don't cover them immediately.  She said wait, we cover them for the first 31 days.  I said you JUST said you didn't and she laughed and said sorry, they do.  🙄🙄🙄🙄

Asked if they have a brochure or any type of information for anything related to maternity and she guided me to a page on the website that goes over my coverage (which we just had a conversation about).  She put me on hold for the 6 or 7th time, didn't know where it was on the website, but said that they did have something.  I said, thanks that's it for now and got off the phone.  I eventually found what she was talking about, but I had to apply for it (what???  Weird) so I guess I'll see if I'm accepted to get information.  I don't understand that...

So nobody was trained in anything that had to do with maternity and I got conflicting answers.  I'm disappointed....  I'm going to stay on top of this so I don't get anymore surprises.  If you're having a baby, make sure you know what you are responsible for now to prepare!  Don't wait until the last min!!