What is the financial incentive for an insurance company to ask health history while you are pregnant?

While being pregnant, Humana has a program called Humana Beginning. This is when a nurse would call you up and record your answers as she ask a series of highly personal health questions. Also she would reward me with new mother gifts such as books. They claim is to help advise you in your pregnancy, but I have my own OGBYN for that. Second: humana is a profit company. What is their incentive to paid nurses for calls, equipments, gifts, etc.?

The most expensive years, are the first year of life, and the last. One in eight babies here in the USA is now born prematurely (due to a variety of reasons). It costs approximately $50,000 A DAY, in medical expenses, for each day a baby is born early, before 36 weeks gestation. Neonatal intensive care is a VERY popular place these days.

Presumably, they are on the hook for your BABY's medical expenses, when it is born. Damn good financial incentive to "double up" on what your ob is doing for you.

probably to make sure you're doing all the things you should be doing like taking prenatal stuff and not drinking and smoking or going sky diving so they wont have to pay claims on something that could have been avoided...is my guess. are you on an HMO? they're real big on the whole preventive stuff

GETTING YOUR PERSONAL INFORMATION