childbirth for a mother or her newborn may not restrict benefits for the stay to less than
(i) 48 hours following a vaginal delivery; or
delivery occurs in
following a delivery by cesarean section.
mother or newborn child begins at the time of delivery (or in case of multiple births, at the time of the last delivery).
(ii) outside a
outside a hospital. the hospital length
If delivery occurs of stay begins at the
connection with childbirth.
The determination of whether an
admission is in connection with childbirth to be made by the attending provider.
The rules of paragraphs (a)(1) and (a)(2) of
this section are illustrated by the following examples.
example, the issuer provides benefits for stay in connection with childbirth and is requirements of this section, as follows:
hospital lengths subject to the
A pregnant woman covered under a
to the hospital at 10 p.m. on June 11. vaginal delivery at 6 a.m. on June 12.
She gives birth by
In this Example 1, the 48-hour period described (a)(1)(i) of this section ends at 6 a.m. on June
A woman covered under a policy issued
in the After
the delivery, the woman begins bleeding excessively with the childbirth and is admitted to the hospital of the excessive bleeding at 7 p.m. on October 1.
in connection for treatment