Purchasing maternity insurance has to be done before you get pregnant.  It is one of those times of your life when you want to plan ahead of time to make sure you get the optimum maternity benefits for you.



If you are already pregnant there are no plans that will cover the birth of your baby or pay any benefits towards costs related to the pregnancy. There are a few plans that will accept an application if you are already pregnant. However, if accepted on one of these plans the insurance company would not cover anything related to the pregnancy. If you are already pregnant you may want to check with your state. There is a possibility that you may qualify for some state assisted program.



Yes, getting the right insurance can be confusing.  But by asking the three simple questions below of your insurance broker or insurance company, you can be assured that you are doing all you can to cover not only your health, but the health of your newborn.



1. Is there a waiting period before maternity benefits are covered?



 Most plans require you to have insurance coverage for at least 12 months before any maternity benefits would be included; this applies to domestic as well as international plans.  There are a few plans that will pay maternity benefits after ten months of continuous coverage, but benefits for births in the eleventh and twelfth months will generally be reduced, usually by fifty percent.



2. How much maternity coverage do I want?



Some plans cover the full cost of maternity, while other cover a percentage of the cost and still others pay only a set amount toward the cost of maternity.



3. Will my newborn be covered?



A plan that allows newborns to be automatically accepted for coverage is a great benefit. Usually these plans require that an application for the baby be submitted within 31 days after the birth. If the insurance company does not receive the application for the baby within this time frame they have the option to require the baby to go through underwriting and the child may or may not be accepted for coverage depending on its medical history. The premium with these types of plans is higher, but one of the great benefits is that the newborn is automatically accepted, even if there are medical issues.



Another type of coverage automatically accepts the newborn, but the insurance company has the option to place riders on certain medical conditions, which means they may not cover any medical issues your newborn may have.



Then there are the plans that do not allow your newborn to be automatically accepted. These plans require you to submit an application for your newborn and they may or may not be accepted for coverage depending on their medical history.

• Health Insurance – A Simple Approach To Cheap Coverage (0)
• Pet Health Insurance Questions Answered (0)
• Making the Right Decision about Health & Maternity Insurance (0)
• Affordable Health Insurance – Where to Find the Company With Cheap Rate (0)
• Health Insurance – Simple Facts (0)
• Maternity Health Insurance Plans – How to Get Low Cost Maternity Health Insurance (0)
• 4 Simple Tips for Picking the Right Texas Family Health Insurance Plan (0)
• Low Cost Plans Offered By Aetna Individual Health Insurance Company (0)
• 4 Things to Know About Low Cost Maternity Health Insurance (0)
• The Simple Basics of Pet Health Insurance (0)