(Closed) Health insurance/Maternity coverage is confusing

posted 7 years ago in Babies
Post # 3
Member
6009 posts
Bee Keeper
  • Wedding: May 2009

Some health insurance has maternity coverage incorporated in, meaning it’s paid exactly like any other covered medical payments.  Other insurance companies actually add what is called a “maternity rider” meaning that maternity coverage is separate from regular coverage and may have different requiremens (deductibles, payments, etc…).  Fwiw, I would go off of what your insurance company says, not the OB’s billing department. 

Post # 4
Member
2142 posts
Buzzing bee
  • Wedding: August 2010

I do not believe mine works the same way yours does. Everything is out of pocket (copay etc) until the deductible is met. Regardless of pregnancy or not.

I would trust what your insurance is saying. if you’re unsure I would ask your HR and talk with the individual directly responsible for your work’s plan.

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