Assurant-Time Maternity Pregnancy
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[edit] Deductible
The maternity deductible is separate from the medical deductible. The maternity deductible options are $1,000, $2,500, $5,000, and $10,000. Like with the medical benefits, the negotiated provider discounts are applied even before the deductible is met.
[edit] Coinsurance
The plan pays 100% of routine maternity expenses once the separate maternity deductible is met as long as the providers are in-network.
[edit] Waiting Period
The insured can add the maternity coverage at any time, but the waiting period still applies. There is a 90 day period that the insured must have the Assurant plan in effect with the maternity rider added on before becoming pregnant. (Basically, a full term deliver should occur on or after the 1 year anniversary of the policy)
[edit] Price (as of 8/14/2008)
For a 25 year old female (maternity coverage is not offered to males) in zip code 80020 with no health conditions, here are the prices for all deductible options:
- $10,000 maternity deductible = $12.17/month
- $5,000 maternity deductible = $53.25/month
- $2,500 maternity deductible = $174.96/month
- $1,000 maternity deductible = $403.17/month
These prices get higher with age and will vary by zip code.
[edit] Qualifying
The maternity coverage is not available to those with previous pregnancy complications like c-section. Typically, there aren't any health insurance policies available at all to those with previous infertility treatment.
[edit] Getting Quotes and Applying for Coverage
Use this Assurant Health Quote and Application Tool to get your personalized quotes and apply online. Or, contact Insurance Shoppers with questions.
[edit] More Information About Assurant Health Plans
Visit the Assurant Health page on our website for more information about the plans they offer.
[edit] Other Maternity Options
- If you're already pregnant, you won't be able to qualify for a new individual health insurance policy. But there are still options, see the options available if you're already pregnant.
- If you would like to compare other health insurance companies that offer a maternity coverage rider, you can see them on our maternity/pregnancy page.
