Maternity Health Insurance Quotes For Expectant Or Pregnant Mothers

Maternity health insurance rates  are much cheaper than you may realize. We help you find the most affordable medical coverage in your area for prenatal and delivery expenses.  We also understand the costs and concern when you become pregnant, and we make the insurance part easy and as low-cost as possible by taking advantage of our free quotes online. You’re just a simple click away from viewing the lowest prices from major companies.

Often, you can purchase a policy with no waiting period if it is during an Open Enrollment period. Throughout the year, special enrollment situations allow you to secure coverage regardless if Open Enrollment has already ended or not yet begun. You also may be eligible for immediate coverage through an employer.

It All Changed Five Years Ago

Beginning five years ago, these types of benefits became mandatory on all plans through the Marketplace. Considered a required “Essential Benefit,” the law (Affordable Care Act) requires that during Open Enrollment (or SEP periods) pregnancy and delivery expenses are included without any waiting periods or special deductibles. No surcharges apply, and there is no maximum benefit limit if complications occur. Complications and cesarean sections are covered.

Another big change was the availability of federal subsidies that instantly reduce the premium you pay for coverage. Although you must qualify (based on your household income), most Americans that apply for coverage  receive some type of financial assistance. Often, the money received pays most of the premium.  For applicants (and their family) over age 50, the savings can be more than $10,000 per year.

Affordable Medical Coverage For Small Children

Your Children’s Health Insurance May Be Free

Free health insurance for children  may also be available in your area. The combination of Medicaid expansion, CHIP eligibility and large federal subsidies to bigger families has significantly reduced the cost of young person coverage. And regardless of the type of plan you choose, preventive benefits will be offered with no applicable copays or coinsurance. And no waiting periods either!

Important Note:  After Open Enrollment ends, if you are uncovered, although the birth of a child counts as a qualifying life event, and thus, an exception, the new policy can be written on the newborn, but not the Mother (or Father). So although medical expenses will be covered (office visits, hospital expenses, etc…) for the child, cost of delivery and prenatal expenses must be paid out-of-pocket.

Some Required Benefits:

Preconception Evaluation: Genetic counseling, social support, childbearing counseling, and nutrition, exercise, vitamins, and alcohol/tobacco support.

Prenatal Care: Fetal evaluation, weight gain, nutrition, breast-feeding, HIV infections, selection of the best providers, and professional education.

Ancillary Services: Ultrasound, diagnostic testing and x-rays, newborn and dental services, and genetic screening and counseling.

Typical maternity benefits  also include OBGYN visits, prescriptions, diagnostic tests, hospital expenses and coverage for complications including C-Sections. Additionally, there may be other required visits to physicians and specialists. You will be able to apply online if you purchase a policy so that your coverage can begin as quickly as possible. Since the average cost of all expenses, including delivery, is about $12,000, it’s important to secure benefits during Open Enrollment or other designated parts of the year.

Comparing affordable maternity insurance benefits will allow you to choose among different plans. We feel this is important since there are large differences between policies offered by the major carriers. By researching as many as 12 different companies instead of a few, we’ll be able to find the specific benefits that best match your needs, while keeping the premium low.

Waiting Period

Perhaps the most important aspect is the waiting period. Naturally, if you feel you need benefits to go into effect within a few months, a long waiting period will not help. Fortunately, with the passage of Obamacare, waiting periods were eliminated and maternity benefits, as previously mentioned, became an “essential” (required) coverage.

Previously, if it was a “PPO” plan, the waiting period was longer than other options. Although there were differences between carriers, often there was a 270-day window that benefits were not be paid. Of course, not all policies required a waiting period, but there was often a reduction in benefits.

During this nine months, you were still  paying premiums, but were not  able to use any of the provisions of the policy. This limitation was placed in the policy by the insurer to protect against too many claims being paid in a short period of time. Once this period of time was up, the insured was covered for the standard and typical expenses that might arise.

However, a deductible and coinsurance did still apply. Contraception/birth control were not covered, except on many employer-sponsored policies. Now, these expenses are covered on Marketplace policies. Since waiting periods have been eliminated, it’s possible that you can secure complete coverage within 15-20 days.

Cheap Maternity Health Insurance Rates From Top Companies

HMO Plans May Be The Best Option

Although not all areas have available HMO plans, if they are offered, it can potentially reduce your out-of-pocket bills by thousands of dollars.  HMO maternity packages, like other options (PPO, POS, etc…) do not have a  separate deductible to meet. So instead of the  $2,500, $5,000 or higher amounts that existed many years ago, you have no additional deductible. The normal policy out-of-pocket expense limits apply.

Thus, the bulk of your out of pocket cost for a one-night stay in the hospital might be approximately $400 to $1,200. Of course, there could be other items that might have copays to pay. And there’s always the possibility that your stay in the hospital will be longer due to complications. But you’ll find that most Health Maintenance Organization (HMO) policies provide a wide range of choices to match your situation.

Other Benefits

Often, depending on the company, there are many other benefits provided by the health insurer with their maternity coverage. For example, nutrition counseling is routinely covered on may plans. This is especially important if you are pregnant. Some of the other specific topics that may be offered include what foods to avoid, information on prenatal vitamins, weight gain discussions, special discounts offered by local businesses and what exercises are best during this time.

But the benefits do not end after the delivery. If there are complications (such as a C Section), it should be covered including the extra time in the hospital. Often, temporary depression issues may arise. And sometimes postpartum depression (PPD) may last much longer. These issues are also often part of comprehensive medical plans. Generally, there are provisions for physical therapy to be covered, although there may be a small copay required. Mental health visits and counseling are covered for both inpatient and outpatient treatment.

However, before treatment, verification of coverage is always a good idea. There may be limits or exclusions that you should be aware of regarding the number of times you can utilize a specific feature of the policy. HMOs, for example can greatly vary, depending on which part of the country you live. Many companies treat eating disorders differently, depending on what part of the pregnancy it occurred. Infertility treatment is not currently included on most plans although it could change in the future. Treatment is often costly with large out-of-pocket expenses.

The Affordable Care Act

Beginning five years ago, newborns and children (and adults too!) could not be denied coverage because of medical conditions on private or job-sponsored policies. Many essential benefits related to prenatal and delivery began to be offered on each plan. Baby and well-child visits also are now included for the newborn.

As you can see, maternity benefits can be easily purchased online. Please feel free to take advantage of our free online quotes. We’ll match the best available plan with your current needs, and determine how much your federal subsidy will lower the rate.

Employer Obligations Under Current Healthcare Laws

The size of the employer (how many employees) typically helps determine the federal and state statues that apply. The Pregnancy Discrimination Act states that workers can not be singled out or discriminated for childbirth, pregnancy or medical conditions. Also, women that are impacted by these three conditions can not be treated differently than other employees with similar job performance.

The law applies to past, present and future pregnancy and also provides protection from harassment. Typically, any expenses (blood tests, x-rays, etc…) must also be treated similarly to other ailments and without an extra copay, deductible or exclusion. NOTE: This is a major change from policies issued pre-2014.

UPDATES:

December  2014 – Pregnancy, childbirth and maternity expenses are covered once again on 2015 Marketplace plans. If the birth occurs after the Open Enrollment period ends (February 15th 2015), benefits are effective the day the baby was born by using an SEP (Special Enrollment Period) provision. Up to two months is given to officially select and enroll in a plan.

If you have existing coverage that is Exchange-compliant, you do not have to change to a different policy. You can retain your existing plan, or apply for a new policy. However, if your  income has substantially changed,  a new subsidy determination should be calculated.

September 2015 – Marketplace Open Enrollment for 2016 coverage begins on November 1st. New rates will be released within the next 30 days, and prices are increasing in almost every state. Increasing maternity and pregnancy costs, which are 1 of the 10 required essential health benefits, are helping fuel the higher prices.

However, a change in out-of-pocket maximums may save many households thousands of dollars. The maximum amount will be $6,850, regardless if the maximum family amount is as much as $13,700. Thus, the individual maximum cost-sharing limit will apply, and not the family amount. This is very relevant to households that deliver a child, but have very few additional medical expenses.