If you’ve had a Cesarean section, you may have trouble getting a second one covered by insurance if you apply for an individual policy (one that you purchase on your own). Once you’ve had a C-section, the chances that you’ll have another are about 90 percent, according to the National Center for Health Statistics. And since C-sections cost about 76 percent more than vaginal deliveries, some individual insurers are rejecting women who’ve had the operation—or charging them higher premiums or deductibles.
Your best defense: Shop around for a policy that doesn’t discriminate—or find out whether you can get coverage through your state. If you’re rejected or discover that your premium is being raised, check with your state insurance commissioner to see whether you can fight back (some states prohibit discrimination based on medical history). If your state doesn’t regulate this practice, consider contacting your state legislators.