Maternity & Pregnancy
What Are Your Options for Maternity Coverage?
Contact Me About Maternity Coverage Now!
Don't let the cost of having a baby take all of the fun out of it
Some health insurance companies have a maternity coverage rider that may be added to the policy. It normally costs between $100 and $300 extra per month. Some plans have no waiting periods but have a small benefit in years 1 & 2, a larger benefit in years 3 & 4, and an even larger benefit if you've had the policy for more than 5 years. This assures that you'll pay more in premium than you'll likely get in benefit. Other plans simply have a waiting period of 12 months before you can get any maternity benefits.
You cannot apply for health insurance while you are either pregnant or an expecting father. If you plan on adding a maternity coverage rider to a health insurance policy, it normally needs to be added at the time you purchase the policy and can be dropped at any time. If you are already pregnant, or do not want to deal with a waiting period of a normal health insurance policy, have us contact you right away to get information about a great alternative to a maternity coverage rider on a health insurance policy that will cover women who are already pregnant.
- Costs of Having a Baby
- A Maternity Supplement
- Health Insurance Rider
The costs of a hospital birth typically average between $10,000 and $12,000. It is not a real "insurance product" because it is something you can plan (for the most part). So most individual health insurance companies don't offer an option to cover normal maternity costs (view those that do). Because it is an expense you can plan for, you would basically just be paying the insurance company to pay your bills for you. Because they need to make a profit and because everybody isn't paying into the "maternity pool of benefits" like on a group plan, you'll just be paying more than you otherwise would. The only benefit you would be getting is the network negotiated discounts the insurance company has negotiated with the providers.
By getting a plan that is focused only on offering you the benefit of those negotiated "insurance rates," you won't be paying an extra premium just to have an insurance company process your claim as well.
We offer a maternity coverage specifically developed to allow pregnant women to afford the high 
costs of delivering babies by cutting the cost of the entire process using these network negotiated rates. Having a baby can be exciting, yet paying for it can be frightening. You'll get a guarantee that you'll save more than you pay, so if it doesn't deliver, you get paid! Even if you are already pregnant, you can get full maternity benefits and savings up to 75%.*
Start saving money on your maternity now.
Right now you should be getting ready for the Pitter-Patter of little feet, not the sobering shock of getting your hospital bill. You can save thousands of dollars on your hospital and lab bills.
With the money a maternity plan will save you, you can easily pay for your nursery furnishings, car seat, stroller, diapers, and baby food. Imagine how happy he will be when you tell your husband how much money you’ve saved on the maternity bills. Since you don’t have insurance, it will be a weight off his shoulders and peace of mind for both of you.
How It Works
The plan includes everything related to your maternity care. And, the plan includes a Certificate of Guarantee that you will save at least the cost of your yearly membership or it will pay you the difference plus $200 and you get to keep the benefits for an additional 12 months free of charge.
This maternity coverage has one of the largest networks of doctors, obstetricians, hospitals and medical facilities in the country. It will work with these providers on a daily basis to ensure women like you get the best maternity care available at the very best rates afforded exclusively through the benefits. The Patient Advocacy Team™ (PAT) will contact your doctor for you, confirm maternity 
benefits, and always deliver the preferred rates that save the members thousands of dollars on their maternity. Your savings may be more or less depending on your specific pregnancy, but you are guaranteed to save at least the cost of your yearly membership or it will pay you the difference plus $200 and you get to keep the benefits for an additional 12 months at no cost. Once your baby is born, it will automatically expand to include your newborn for their first two years to help with checkups, immunizations, and any other medical costs that may arise. For no additional costs, your Infants and Family Card will arrive shortly after your baby is born with expanded benefits and even more real savings.
Those who benefit from a supplemental maternity coverage:
- Already pregnant, no insurance
- Insured, with no maternity benefit
- Insured, but deductible too high
- Anyone who's having a baby and would like to pay less:
Benefits include the following
- Doctor Visits
- Hospital Stays
- Sonograms
- Lab Work
- 24 Hour Counseling
- Immunizations
- Anesthesiologist
- Pre Natal Vitamins
- Newborn Tests and checkups
- 24 Hour Nurse Hotline
- Prescription Coverage
- And virtually all other care for your pregnancy!
Double Your Maternity Coverage Savings...
We found your info on the web after we found out we were pregnant before our maternity insurance kicked in. We were really nervous about all the high bills that were starting to come in- especially since we were having twins. When I finally decided to make the call- everyone was so helpful and supportive. It really made me feel more at ease knowing I had some help when I needed it. We saved at least $9000 on ONE bill, and I didn't have to deal with the hospital! That was so important to me because I was able to spend more time with my new babies!
Best,
Kelly Jones
Adding a Maternity Rider To Your Health Insurance
As long as you're not pregnant, haven't had a c-section, or haven't had fertility treatment, you'll likely qualify to add on a maternity "rider" to a health insurance plan. There are only a few companies with the option to add on a maternity/pregnancy rider (to non-HSA plans only).
The only way maternity expenses can turn into a very expensive catastrophic event is if there are complications, and health insurance policies are required to cover complications to maternity. There is really only one reason most people will pay extra money to cover a possible expense of $10,000 - $12,000 (which isn't considered a catastrophic amount)... because they plan on using it. The only way an insurance company can keep from automatically losing large amounts of money on a product people can elect to get based on their high likelihood of needing it is to have waiting periods and high premium amounts.
