OB-GYNs accepting United Insurance — NatHealth in Amman

Using health insurance with OB-GYNs

Gynecology visits for health complaints are often handled like any outpatient visit at network clinics, while pregnancy and childbirth fall under a separate maternity benefit with its own limit and waiting period in many policies. Delivery and gynecological operations usually need prior approval at a network hospital. It helps to learn the limits of your maternity benefit early in pregnancy rather than close to the due date.

Often covered

• A gynecology visit for complaints such as pain, bleeding or infection is often covered as an outpatient service.
• Antenatal check-ups and routine pregnancy ultrasounds are covered by many policies within the maternity benefit and its limits.
• Basic pregnancy tests such as blood group, blood count and blood sugar are often included when ordered by the doctor.
• Normal or cesarean delivery at a network hospital is covered by many policies after prior approval.

Often excluded, limited or needing approval

• A pregnancy that began before enrollment or during the waiting period is often excluded from the maternity benefit.
• Fertility treatment and IVF are excluded by many policies or limited to special conditions.
• Elective keepsake ultrasounds and optional genetic tests in pregnancy are often excluded unless ordered for a medical reason.
• Contraceptive devices and cosmetic gynecological procedures are excluded by many policies.

Check before you book

• Confirm that your policy includes a maternity benefit, and ask about its waiting period and limits for follow-up and delivery.
• Ask how many antenatal visits and scans are covered and whether they count against maternity or outpatient benefits.
• Check early which network hospital you can deliver at, the room class, and how prior approval works.
• Bring your insurance card, ID and pregnancy file, and ask for an itemized invoice for each visit, test and scan.