Maternity Coverage Explained

What is maternity coverage?

Maternity benefits, or maternity coverage, is a health insurance coverage type. It’s not a stand-alone health insurance plan. You may think of it as an add-on to an existing policy. What maternity benefits does is help cover the many medical costs that come with pregnancy and delivery. Pregnancy can be very expensive with all the doctor visits and hospital stays. Without insurance, a pregnancy and childbirth can cost a family thousands, if not ten thousands of dollars.

Is pregnancy a pre-existing condition?

If pregnancy is something that is in your family’s near future, you should start shopping around for health insurance with maternity benefits now before it is too late. The reason for this is that often times, health insurance companies regard pregnancy as a pre-existing medical condition. If you try and apply for health insurance after you are already pregnant, you might be denied coverage. Often times, there is also a waiting period on health insurance policies before maternity benefits kick in (often 6 months+). So, if you are planning for children, first plan for maternity benefits.

What services are covered with maternity benefits?

Some of the many things that may be covered during pregnancy include:

Inpatient services -

  • Hospitalization for childbirth
  • Physician care during childbirth

Outpatient services -

  • OB-GYN office visits (pre and post natal)
  • Vitamins and medication

Why you need maternity benefits

If there is any chance that you could get pregnant, you need to make sure you are covered with maternity benefits. Without these benefits, you are at risk to be put into a massive financial burden before your child is even born. Many self-employed and unemployed individuals do not have the luxury of having coverage through their employer. If this describes yourself, you need to start shopping around for affordable health insurance coverage ASAP. You can start by scrolling up to the top of this page and using our quote comparison engine to get rates from the top health insurance providers.

If you are employed and/or already have health insurance overage, you should also check and make sure you are good to go before your pregnancy. Check with your health plan administrator at work to make sure these benefits are available to you and have already kicked in. As stated above, pregnancy can be very expensive. Ensuring you have proper coverage will mean one less headache during the process of giving birth to your child.

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