Childbirth is taxing on a new mom’s body. The first few days after having a baby are an important time for rest and recovery, both physically and emotionally. New moms can be incontinent, be constipated, have sore breasts, continue to have contractions, have hot and cold flashes, hemorrhoids, and have more serious problems including cesarean wound, uterus, or breast infections; blood clots; and heavy bleeding that may require longer hospital stays.
The Newborn's and Mother's Health Protection Act of 1996 (commonly referred to as simply the "Newborns' Act") requires certain health plans to pay for at least a 48-hour hospital stay following vaginal delivery or 96-hour stay for a cesarean delivery. The 48 or 96-hour period starts at delivery, not admittance, unless the baby was born outside the hospital.
Pregnant women can’t be required to obtain pre-authorization for the 48 to 96-hour hospital stay. However, this Act don’t prevent the health care provider from discharging the mother or newborn child from the hospital earlier, if they’re healthy and the doctor consulted with mother first.
Health Care Plans Subject to the Newborns' Act
Whether or not the Newborns' Act applies to a health plan is determined by the type of coverage the plan provides. Even if your plan doesn’t offer benefits for hospital stays in connection with childbirth, it still may be required to comply with Newborn Act. Generally, this law applies to coverage that is self-insured by the employment-based plan. However, you may have similar protections under state law if your coverage is insured by an insurance company or HMO.
The Act generally applies to two types of health insurance:
Group health plans can either be “insured” plans, i.e. health insurance is purchased from a health insurance provider, or “self-funded” plans, i.e. where the health plan pays for coverage directly. Private employer group health plans are regulated by the Department of Labor. State and local government plans are regulated by the Centers for Medicare & Medicaid Services (CMS). When a group health plan buys insurance, the insurance itself is regulated by the State’s insurance department.
Your plan administrator can you tell you whether your plan is insured or self-funded and what entities regulate your benefits. If you’re in an insured group health plan or have individual, non-employment based coverage, the federal Newborns' and Mothers' Health Protection Act standards may not apply directly if your state has a law with similar protections.
The Newborns' Act and Business Compliance
The Employee Benefits Security Administration (EBSA), through the Health Benefits Security Project (HBSP) conducts Health Plan Audits. During an audit, the employer group health plan will be reviewed for compliance with Part 7 of ERISA, which includes the Newborns' Act, among other women’s health, cancer, mental health, and genetic nondiscrimination acts.
When a health plan doesn’t comply with this Act, there can be civil or criminal penalties, including fines of up to $100,000, if the non-compliance isn’t corrected within the allotted time. Health care plan enforcement is governed by the Employee Retirement Income Security Act (ERISA).
If your company needs to prepare for a health plan audit, the Department of Labor has useful health benefits laws checklists.
If You've Been Denied Coverage in Accordance With the Newborns' Act
If you have concerns about your plan’s compliance with the Newborns' and Mothers' Protection Act, contact the Center for Consumer Information & Insurance Oversight at 1-877-267-2323 ext. 6-1565 or at firstname.lastname@example.org.
Protect Your Rights Under the Newborns' Act: Call a Health Care Attorney
As wonderful and blissful as having a child can be, it's a physically and emotionally intense experience. The Newborns' and Mothers' Health Protection Act is intended to provide certain protections for new mothers. If you believe your rights to adequate post-partem care have been violated, you should contact an experienced health care attorney near you.