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