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Old 14.01.2021, 06:09
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TheLaughingCow TheLaughingCow is offline
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Re: Should I get supplementary insurance?

If you're female just something to consider :

1. Supplemental insurance will help cover Pap Smears not covered by your main insurer. This was an issue for me when I was pregnant. A Pap Smear was required as part of the initial pregnancy visit. The main insurer wouldn't cover it, even though it was listed as a necessary prenatal exam. My supplemental insurer did.

2. Pregnancy - If you plan on becoming pregnant or think you might, it might good to think about having supplemental insurance. Many supplemental insurers want you to be insured with them for 2 years before covering any costs related to pregnancy .

Things that supplemental insurance could help cover during pregnancy are lab tests, treatments like acupuncture, prenatal and pregnancy courses, massage, which doctor you can have deliver your baby ( meaning the head doctor or doctor on staff ), it can also help pay the cost of a private or semi-private room and meals for your spouse if they stay with you in hospital . I'm sure there may be other benefits, but it's all I could think of at the moment.

If you're not a female or not pregnant : The main benefit that we saw was helping pay for a nicer more private room, eye glasses, and if I remember correctly some travel insurance coverage so that we were covered overseas in case of an accident or emergency.

HTH
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