The answer t your questions depends on a couple factors like location as insurance is sold sate by state.
The easy answer is GROUP insurance. If you have insurance provided by your employer, you likely have maternity.
Blue Cross has a maternity rider you can add at time of application. It is expensive and you have to have it several months before the pregnancy.
The Affordable Care act fully implemented January 2014 includes maternity. If you are already pregnant, you OBGYN will work with you on payments. Should there be a medical emergency your insured wife will get the medical attention she needs as will the baby AND the mother your child is born he/ she is covered on your existing plan. You have 30 days to inform your carrier so the new born can be added to the policy.
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Many health insurance plans cover maternity. Aetna and Blue Cross are two major carriers that offer maternity coverage on many of their plans.
If you can wait until 2014, just about all plans will be mandated (required) to include maternity benefits. It will increase the cost of policies, but getting pregnant won't cause alarm bells to go off with your health insurance any more.
Open Enrollment begins in October for 2014 plans and a federal tax subsidy will be available for many Americans. An experienced broker will find and compare the best maternity coverage for you, and simplify the application process.
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The easy answer is GROUP insurance. If you have insurance provided by your employer, you likely have maternity.
Blue Cross has a maternity rider you can add at time of application. It is expensive and you have to have it several months before the pregnancy.
The Affordable Care act fully implemented January 2014 includes maternity. If you are already pregnant, you OBGYN will work with you on payments. Should there be a medical emergency your insured wife will get the medical attention she needs as will the baby AND the mother your child is born he/ she is covered on your existing plan. You have 30 days to inform your carrier so the new born can be added to the policy.
If you can wait until 2014, just about all plans will be mandated (required) to include maternity benefits. It will increase the cost of policies, but getting pregnant won't cause alarm bells to go off with your health insurance any more.
Open Enrollment begins in October for 2014 plans and a federal tax subsidy will be available for many Americans. An experienced broker will find and compare the best maternity coverage for you, and simplify the application process.