Maternity Coverage
Colorado Health Insurance

 

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A maternity coverage rider will pay expenses related to a routine childbirth.  Complications of pregnancy will normally be covered like any other illness, regardless of whether or not you have maternity coverage.

The maternity benefit must be purchased before you become pregnant, and may be dropped at any time.  If you are already pregnant and looking for coverage, click here.

Of the many companies we represent, the following three currently offer maternity coverage:

United Healthcare underwritten by Golden Rule Insurance Company

UnitedHealthcare Maternity Coverage
This optional maternity benefit is designed to help cover the cost of routine pregnancy and delivery.  The plan will pay up to 50% of the maximum benefit during the first year of coverage.  After the first year, the plan will pay 100% of the maximum benefit.  There is no deductible with this benefit.  You can choose a maximum benefit amount $2000 (which costs an additional $66 per month) or $4000 (which costs an additional $106 per month).

Time Insurance

Time Insurance Maternity Coverage
Maternity riders are available with all Time Insurance plans.  The way the coverage works is very simple.  You will choose a separate maternity specific deductible from the list below.  This determines the additional monthly cost that will added to your monthly insurance premium.

You pay only this deductible for a maternity claim, including pre-natal care all the way through delivery.  You then receive 100% coverage after the deductible is met.  This limits your expenses for maternity care to the amount of your maternity deductible.  You also receive access to significant network discounts - often between 15 to 50% when using in network providers - before you even meet your deductible.

The flat monthly premium is as follows:

Deductible
Premium/Month
$10,000
$8.34
$5,000
$36.47
$2,500
$119.83
$1,000
$276.13

You may only sign up for this rider at the time of your initial application with Time.  Coverage must begin 90 days before conception or no coverage is provided.

Humana Health Insurance

Maternity Coverage from Humana
This optional maternity benefit is also designed to help cover the cost of routine pregnancy and delivery.  This plan has an additional $500 deductible, and will pay up to 60% of the costs of routine pregnancy and childbirth.

The premium is approximately $107.00 per month, depending upon your age.  Please contact us for an exact quote.


Note: Please see the individual companies brochure for complete details on each maternity benefit.

Already Pregnant?

If you are already pregnant, individual policies will not cover you until after your delivery.  While we are unable to offer anyone in that situation traditional insurance coverage, we have partnered with Affordable Health Care Options to offer a program that can help save you up to 60% off your maternity costs.

For more information on this program, please complete the AHCO Online Form and you will be contacted by Affordable Health Care Options within the next 24 hours.

Maternity Coverage from AHCO             

 

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1001-A E. Harmony Rd. #519
Fort Collins, CO 80525

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