Plan Descriptions


5 Minute Guide to Guaranteed Issue Health Insurance

Maternity Insurance

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guaranteed issue health insurance
Guaranteed Health Insurance Plans
Maternity Insurance Plans

Health Insurance Plans with Maternity Coverage
Available in All 50 States


Maternity insurance is very difficulty to obtain. Most health insurance carriers have either eliminated maternity riders or make them very expensive. Even when they are available, they are often limited and have waiting periods of a year or more.

However, we have some limited health insurance plans that cover maternity the same way they cover other medical situations. They can be used as standalone health insurance or added to your existing plan. They are NOT maternity plans. We offer health plans that also cover maternity.

WE CANNOT INSURE SOMEONE WHO IS PREGNANT
But, We Can Help You With Your Doctor,
Labs, and Hospital

If you are already pregnant, Click Here Now or
Call 800-460-9178 (only if you are already pregnant)

Otherwise, continue on with this page

No Waiting Period - Maternity Coverage Begins Within One Month
Prior C-Sections or Other Complications Do Not Affect Coverage
Pre-Natal and Delivery Covered
Available in All 50 States
Guaranteed Issue - No Medical Declines
Two Different Plans

Before you get on the phone to call me, take 2 minutes to read this page. Our number is 800-272-0512 and we are available from 9 am to 8 pm EST.

We have a simple, 3 page guide that should take away most of the confusion about maternity coverage (or add to it). Please take a few minutes to read it.

Click here now for our Guide To Maternity Coverage

There are two different plans that you can use. Remember, there are no waiting periods. You can buy the plan one month and have a baby 9 months later.

HealthMax Indemnity Plan - This plan is what is known as an indemnity plan. It pays out specific amounts based on an expense. As is the case with all of our plans it does have limitations. This plan is $305 a month.

Of interest to those of you who will use the plan for maternity. The following benefits are of interest. Please keep in mind that this is NOT maternity insurance and that these benefits are paid out for all eligible conditions:

Physician Office Visits Seven at $100 each for a total of $700
Diagnostic Lab Tests Five at $400 each for a total of $2,000. This is for a diagnostic test and not part of a well-visit checkup.
Hospital Stay $3,000 the first day and $1,000 for each additional day. A two day stay for normal delivery would pay you $4,000 and four days for a c-section $6,000.
Surgical Fee the plans pays 100% of Medicare reimbursement rates plus 25% for anesthesia. Special conditions must be met to receive the surgical benefit. We do not have access to Medicare's national reimbursement schedule. Please ask your physician for this information.
PPO Access Everything is re-priced by the PPO. You will get significant discounts on physician and hospital fees.

Using the HealthMax plan, you could potentially receive approximately $5,000 for a normal delivery and up to $8,000 for a c-section. Plus, everything would go through the PPO network. You do not have to negotiate with the hospital to get the lowest rates.

Generally, when using a PPO for re-pricing, a normal delivery, including pre-natal visits will run between $6,000 and $8,000. A c-section, between $8,000 and $10,000. This is my estimates based on feedback from clients. You must check with your providers for accurate information.

Click Here for HealthMax Brochure

HealthChoice - Value Plan - Pays approximately $2,200 towards normal delivery. This low cost plan can be added to your health insurance.

If you currently have health insurance and just want to add something to the plan to help pay for maternity expenses, this is the plan. The PPO repricing alone almost makes it worthwhile.

The HealthChoice Value Plan is relatively low cost and can also be used to help pay for deductibles on any major medical plan. For the HealthChoice Value Plan click here.

This plan is about $145 a month.

Physician Office Visits Three at $50 each for a total of $150
Hospital Stay $1,750 the first day and $250 for each additional day. A two day stay for normal delivery would pay you $2,000.
Surgical Fee the plans pays 50% of Medicare reimbursement rates
PPO Access Everything is re-priced by the PPO. You will get significant discounts on physician and hospital fees.

Bottom Line

The bottom line is that you do have the ability to get most of your maternity expenses covered. All of these plans are sold in all 50 states and they are HIPAA qualified (real insurance). Call us with questions and for applications.

Call us at 800-272-0512 (9 AM to 9 PM EST)

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