Insurance Questions New Moms Need to Ask in 2025

When you become a mother, the last thing you want to worry about is whether your insurance has you covered. However, as Maternal Mental Health Awareness Week 2025 highlights, maternal mental health is just as important as physical health. With so many moving parts, it’s essential for new moms to ask the right questions about their insurance coverage.

1. Does My Insurance Cover Postpartum Mental Health Care?

It’s no secret that the postpartum period is difficult for many mothers. Postpartum depression, anxiety, and stress can manifest in ways that affect your daily life and well-being. That’s why it’s important to understand whether your insurance provides mental health coverage.

Key questions to ask:

  • Does my policy include postpartum mental health care, such as therapy or counseling?
  • Are telehealth services available for therapy, especially for remote consultations?

Why it matters: Mental health services should be just as accessible as medical services. If your IPMI policy includes postpartum care as part of your mental health benefits, you will have the support you need, when you need it.

2. How Can I Access Therapy or Counseling While Recovering from Birth?

The first few months after childbirth can be overwhelming, and seeking help early is key. Many IPMI policies now cover mental health support that can help you navigate the emotional side of motherhood.

Ask your insurance provider:

  • Are therapy sessions covered under my plan?
  • Can I access mental health counselors in my area or remotely?

Why it matters: Access to therapy helps mothers manage anxiety and postpartum depression, leading to healthier mental and emotional recovery. Visit the World Health Organization (WHO) for global insights on mental health after childbirth.

3. Is Postpartum Care Included in My Insurance Plan?

Maternity care isn’t just about giving birth—it also includes the critical care you need after your baby arrives. New mothers need continuous postpartum care that includes mental health and physical recovery. It’s essential to understand what’s covered.

Questions to ask:

  • Does my IPMI plan include coverage for postpartum checkups?
  • Are there benefits for mental health screenings after childbirth?

Why it matters: Your physical and emotional recovery after childbirth is just as important as prenatal care. Insurance should support you in your journey back to health.

4. Are Mental Health Services Covered for New Mothers?

Mothers need mental health care just as much as physical care. It’s important to understand whether your IPMI plan provides adequate coverage for therapy, counseling, and support groups.

Key questions:

  • Is therapy covered, either in-person or through telemedicine?
  • Are there online support services available for new mothers facing mental health challenges?

Why it matters: Access to therapy is essential for any new mother, and IPMI ensures that mental health care is included as part of your overall support network.

5. Does My Plan Cover Childbirth-Related Services and Support?

Beyond physical recovery, new mothers need a robust support system. Ask your provider about coverage for both childbirth recovery and mental health services for moms.

Important questions:

  • Does my insurance include newborn care, including vaccinations and pediatric checkups?
  • Are there any parenting support services available through my insurance plan?

Why it matters: Knowing your newborn’s health is covered can provide peace of mind during a time of transition, allowing you to focus on your well-being as a mother.

By addressing these questions with your IPMI provider, new moms can make sure their insurance not only supports physical health but also provides access to mental health care. Don’t wait to ask these crucial questions—ensure that you’re covered for all aspects of your well-being.

For more details about comprehensive IPMI coverage, visit our Insurance Information Page.