Maternity coverage generally doesn’t stand alone. It’s associated with some health insurance plans, and you’ll need it to cover pregnancy and delivery. Can we emphasize the word need? Without insurance, you may not receive adequate prenatal care. And these costs add up—prenatal visits, hospital stays, delivery charges and, well, the unknown associated with welcoming a miracle into the world. You don’t want to face out-of-pocket expenses when it’s time to bring baby home.
Pregnancy is considered a pre-existing medical condition, and it can disqualify you from obtaining an individual health insurance plan. That’s why it’s important to apply for a plan that offers maternity coverage before becoming pregnant. We know this isn’t always possible. So if you have a plan without maternity coverage, you can request a maternity rider. That’s an amendment to your existing policy that will build in maternity coverage so you’re protected. You can expect a waiting period of 6 months to one year before the coverage kicks in, and rules vary by state. We’ll walk you through the process.
Your health insurance may cover all or part of your medical costs during pregnancy. Coverage is broken down into inpatient and outpatient services. Inpatient means hospitalization and physician fees associated with childbirth. Outpatient is prenatal and postnatal OB-GYN visits. Talk to a Lighthouse specialist about how your deductible works, and whether your plan waives the deductible for maternity.
We’re a trusted source for accessing thousands of affordable health care plans, including maternity coverage that fit your budget and benefits needs. Find out more, get a free quote, learn how you can have more choice. Just call 866-230-0222.