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Colorado Health Insurance Insider

No-cost broker assistance. Cutting edge health insurance analysis.

Options For Maternity Coverage In Colorado Disappearing Fast

May 12, 2010 By Louise Norris

Getting individual health insurance with maternity benefits just got a lot harder for women in Colorado.  For the last few years, there have only been three major carriers that offered maternity coverage on individual policies: Golden Rule (United HealthOne), Assurant, and Rocky Mountain Health Plans.  As of the end of April 2010, both Golden Rule and Assurant stopped offering maternity riders on their policies.  Rocky Mountain Health Plans does still have a maternity option, but it’s expensive.  It’s only available for women who are under 34 years old, and it’s also only available on RMHP’s $500 deductible policy.  I just got a quote for myself on that plan:  Without maternity, the policy would cost $245/month.  With maternity, it would be $778/month.

Many of the other big-name insurers like Anthem Blue Cross Blue Shield, Kaiser, Humana, Aetna, and Cigna have either never offered maternity on their individual policies, or stopped doing so years ago.  All policies in Colorado cover complications of pregnancy, but getting coverage for routine pregnancy and delivery is basically now limited to one carrier.

It remains to be seen how Colorado House Bill 1021 will impact this situation.  The bill would require that starting next year, all health insurance policies in Colorado include coverage for maternity.  It passed in the House earlier this year, but it has yet to be signed by Gov. Ritter.

Related posts:

  1. Maternity As An Option Rather Than A Mandate
  2. Maternity Coverage And Access To Midwifery Care
  3. Not Many Details Yet On Maternity Coverage In Colorado
  4. Maternity Coverage In The Individual Health Insurance Market

Filed Under: Health Insurance Reform, Individual/Family Health, Maternity/Pregnancy, Rocky Mountain

About Louise Norris

Louise Norris has been writing about health insurance and healthcare reform since 2006. In addition to the Colorado Health Insurance Insider, she also writes for healthinsurance.org, medicareresources.org, Verywell, Spark by ADP, and Boost by ADP, and Gusto. Follow on twitter and facebook.

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