(Closed) What is maternity insurance?

posted 8 years ago in Babies
Post # 3
Member
610 posts
Busy bee
  • Wedding: July 2011

From the little that I know, a maternity rider should be purchased when you are thinking about having children.  I think there is a 12 month waiting period before it activates.  It will cover the costs associated with pregnancy like ob visits, sonograms and the like.  If there are complications (such as C-section), I think those are covered under standard insurance.

I haven’t had kids yet, so I can’t speak from experience.  I just remember this from when I was choosing my health plan.

Post # 4
Member
1645 posts
Bumble bee
  • Wedding: May 2010

I have coverage for maternity care (ob apts, prenatal tests, labs, etc…) as well as hospital care for the birth under my regular medical insurance. I didn’t realize it wasn’t standard under all medical insurance.

Post # 6
Member
461 posts
Helper bee
  • Wedding: May 2010

The thing I’m really wondering is if you’re penalized for not getting it before your pregnant… b/c on mine it said you could not add that type of plan if you were already expecting!  Thus the reason for “insurance”.

 

I don’t really get what your question is.  I mean, I think you just answered your own question??  To my knowledge, if you don’t have it before you get pregnant, the pregnancy is already something like a preexisting condition and you can’t buy insurance to cover it.  You don’t just get penalized, you pay out of pocket for everything because you simply don’t have insurance for that.  Or at least that’s my understanding of it…

Post # 7
Member
1940 posts
Buzzing bee
  • Wedding: July 2010

You should purchase the insurance before you are pregnant otherwise your pregnancy costs will not be covered.  You will pay several thousand dollars to have your baby if you have no coverage (all the regular office visits, hospital bills for delivery, etc).

Post # 8
Member
1944 posts
Buzzing bee
  • Wedding: June 2009

Yep….pregnancy, under most insurance carriers is classified as preexisting and you should definetly have coverage before TTC. You should check into your husbands insurance and see what his covers bc it maybe more beneficial to go that route. Insurance and some sort of Short Term Disability-to cover a percentage of your loss of wages while your on leave, is essential.

Post # 10
Member
659 posts
Busy bee
  • Wedding: March 2011

I never knew this existed.  I just thought insurance covered, you know, something as vital as pregnancy.

Flippin’ ridiculous.

Post # 11
Member
1940 posts
Buzzing bee
  • Wedding: July 2010

You just have to be aware of what your particular insurance covers/ doesn’t cover.  My husband’s insurance covers pregnancies as part of their routine coverage.  Not all insurances do though.  I believe Medicaid sometimes covers people who are pregnant and low income as well (not that I personally would rely on receiving that type of coverage).

Post # 13
Member
1944 posts
Buzzing bee
  • Wedding: June 2009

@Rgeddy: That is probably why since you buy it yourself instead of say through an employer. I would say the majority of women are covered in some way by their basic insurance plans, but there are some smaller companys that do not so they have to get secondary or be covered under their husbands. I understand what you mean about the “ooppps”. My nephew was an oopps and my SIL had no insurance at the time. It was quite costly! Definetly shop around, you may always find something cheaper somewhere else, but always check if there are waiting periods for births etc.

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