Photo: AP

(Bloomberg Business) — Having a baby isn’t just expensive for parents. Insurance companies spend $18,329 on the average natural birth in the U.S., and that cost goes up for Caesarian sections, multiple births, pre-term deliveries, or complications.

Parents and insurers share an interest in healthy pregnancies and lower medical costs, and early interventions can reduce the risk of complications. There’s just one problem: Insurance companies don’t know when women conceive. 

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