Elective inductions and insurance
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|Mon, 12-14-2009 - 11:41am|
Does health insurance provide coverage/payment for elective induction of labor? In looking at my own insurance information, I'm not seeing that it does, but then I wonder how so many elective inductions are being allowed to occur. Are doctors billing the insurance companies for the inductions using false claims about medical conditions? I think this must be the case sometimes; I've known women who have "officially" been induced for some relatively minor conditions, like mild PIH and/or GD, "pain" (including leg, back and pelvic discomfort), etc. How about women who are induced early so that Dad can be home on military or work leave? Or women who want to give birth at a specific time so that Grandma can stay with the older kids? The list of reasons to be induced can go on and on, of course, but I'm really wondering how they manage to have the inductions paid for.
Elective inductions are almost the norm these days. Having been the CL of a pregnancy board for over a year, I saw a multitude of women come through that community and many of them were induced. If I had to take a guess as to how many of those inductions were basically unnecessary, I would say the number was at least 50%. Having been induced twice myself, for serious medically-necessary reasons, I would never suggest to another woman that she be induced unless she truly needed to be. I don't remember anyone ever saying that they had to pay out of pocket for their inductions, in spite of the fact that so many seemed totally unnecessary, so I do wonder if reasons were being invented. Some of those women were induced as early as 36-37 weeks for no real reason, other than that they were feeling "done". I think that's very scary and sad, and I don't approve at all, but obviously that's JMNSHO, as the mom of two 37-weekers, born via difficult induction processes.
Would you have an elective induction if you knew the insurance company wasn't going to provide coverage for your L&D, hospital stay, or baby's care? Would you still take the risks of early induction (provided you had learned them and cared about them) if there wasn't going to be any financial provision made for your family? I would not. But then I wouldn't be induced at all if I didn't HAVE TO be in the first place.