Under federal law, group health plans and health insurance
issuers offering group health insurance coverage generally may
not restrict benefits for any hospital length of stay in
connection with childbirth for the mother or newborn child to
less than 48 hours following a vaginal delivery, or less than 96
plan or issuer may pay for a shorter stay if the attending
provider (e.g.,your physician, nurse midwife, or physician
assistant), after consultation with the mother, discharges the
mother or newborn earlier.
Also, under federal law, plans and issuers may not set the
level of benefits or out-of-pocket costs so that any later
portion of the 48-hour (or 96-hour) stay is treated in a manner
of the stay.
In addition, a plan or issuer may not, under federal law,
require that a physician or other health care provider obtain
authorization for prescribing a length of stay of up to 48 hours
or to reduce your out-of-pocket costs, you may be required to
contact your plan administrator.
(3) Timing of paragraph (d)(2) of participant covered
disclosure. this section
The disclosure notice shall be furnished to