Wednesday, February 20, 2013

How to Get Health Insurance Maternity Coverage

Are you looking for individual medical insurance coverage? If you are, you need to know that typically health insurance maternity coverage is not included automatically. If you are in the age range where you may need maternity coverage at some point in the future, you need to make sure that if you are getting an individual health insurance plan that you have a maternity rider attached to the plan. Many people assume that maternity benefits are automatic and they find out after it is too late to get it.

On an individual plan, if you are already pregnant at the time, you will more than likely have to wait until you have had your baby before you can get health insurance coverage. Most of the individual plans have a waiting period before they will cover a pregnancy also. You have to have the maternity rider in place, and then you may not have a pregnancy covered for the first 6 to 12 months.

The cost of most normal pregnancies is around $2500.00 including everything. If is when you get into cesarean section births and other complications with the mother and/or baby that the costs of maternity medical treatments can get into the thousands or hundreds of thousands of dollars. If you plan to have children in the future it is worth getting the extra health insurance maternity coverage just in case you happen to be one of the people who runs into a problem.

The rider necessary to add the coverage to an individual policy will add more to the premium you have to pay, but it will be worth it. No one knows how their pregnancy will go. The added premium is not going to be that much more. When you do not need the maternity coverage anymore, you can drop this coverage and lower your monthly premium.

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