This morning, I got amazing news from my girl friends! Three of them are going to have a baby soon and I am really excited for them because they are going to be first time moms. Being a mom is such a wonderful feeling, and every time I give birth the feeling never gets old. I really want every mother to have a stress-free pregnancy so this is why I have decided to make this post to serve as a guide not just for my friends but also for other future moms out there.

One of the most common concerns of future moms is the cost of having a baby. It varies for each and every one of us, depending on the health system cover you prefer. You must also keep in mind that in Australia, health insurance only covers in-hospital services. This simply means that most of your medical expenses during your pregnancy will not be covered by your health insurance until you arrive in the hospital to give birth. However, they might be covered in part by Medicare. Also, your health insurance cannot cover outpatient services such as obstetrician and general practitioner visits, blood tests and scans.

I do recommend that future moms should get themselves a health insurance that includes obstetrics, just like the one I got for myself when I was about to give birth to my youngest son six months ago. My husband and I decided to get a health insurancefrom nib, as per his sister’s recommendation. She told us that nib and IMAN offers good health cover that is going to suit our needs and budget, so we had to give them a try. We have been happy with them so I am also recommending nib to my friends and to the readers of this blog.

Obstetrics is not offered on every health cover they offer so I suggest that you should give them a call to make sure that the level of your health cover will suit you perfectly and will cater to all your needs. If you are a new customer or you have just newly moved to a cover that includes obstetrics, benefit limitation may apply. This means that the customer will receive the restricted benefits after 12 to 24 months of waiting.

Nib also gave a very good tip—-“if you are planning to have a baby, and you’d like to use your health insurance to go to a private hospital, you’ll need to be on a health cover that includes obstetrics at least 3 months before you start trying to fall pregnant”. Unfortunately I did not know about this when I got pregnant with my youngest son, but I am putting this out there just in case there are newlyweds reading my blog and are planning to have a baby soon.

For more information on health insurance , visit nib www.nib.com.au or www.austhealth.com