If you are shopping for health insurance maternity coverage, you can do an online search and find the companies in your area that offer madical insurance and have maternity coverage. Your premiums will be higher than normal if you add the maternity rider. You will need to be sure to add the maternity rider. Most individual plans do not cover maternity expenses as a basic coverage. You need to have the rider.
An individual health insurance plan may also have a waiting period before it will cover maternity benefits. If you are pregnant currently, you will not be covered for maternity benefits on a new plan. This is considered a pre-existing condition. Also as mentioned earlier there is usually a waiting period of one year before maternity is covered.
If you are currently pregnant, about the only way to get maternity plan is if you get on a group plan that does not restrict pregnancy coverage. If you are looking for short term insurance, you will not find maternity coverage offered on these plans. The best way to get maternity coverage on an individual plan is to plan ahead. That way, you will know your options and get better deals. Get the rider on your policy and get pregnant after the coverage takes effect.
You can get quotes for health insurance maternity coverage along with the quote for a basic plan. Just be sure to inquire about it and don't assume that it is included in the basic quote. It may not be.
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