Maternity Insurance Information

Two-Minute Guide to Maternity Coverage

Please take two minutes and read this simple guide, you will have a clear understanding of what your options are regarding maternity coverage. I realize that the web page can be confusing and I hope this clears things up.

You can of course call us at 800-272-0512. However, the first thing I will ask you is if you have read through the site, clicked on the links and looked at the plans. If you have not, I will tell you to do so and call me back. So, please, at least take a few minutes and look at what we offer. Then call me with your questions.

All of the plans mentioned on this page have no waiting period. You can become pregnant as soon as the plan starts – but, with one exception, not before.

Let us start with a few important facts:

1.	If you are already pregnant, we can provide a limited benefit plan that will help you cover some of your maternity expenses. Flash - We now have a plan that you can get even if you are pregnant (less than 3 months). For details click on this pregnancy insurance link
2.	All of our plans can be used with your current health insurance or by themselves. You can keep what you have and add these plans. Or, you can use these supplements as your primary health plan.
3.	We sell limited medical health insurance plans that will cover maternity expenses in the same way they cover all other illness. There is no such thing as standalone maternity insurance. I know I keep saying this, but people keep calling asking for the “maternity insurance plan”. As long we are talking about the same thing, I am fine with the term. I just do not want to be misleading.

PPO discounts might save you a considerable amount of money.

All of our plans are PPO plans. That means that the bill first goes to the insurance company where it is significantly discounted. Insurance companies have special discounted rates for all services. They do not pay what you and I pay for medical services.

If the providers are in the network, you will be entitled to receive the reduced PPO rates for the doctor, labs and hospital. I cannot give you the exact pricing as this is not public information. But, a hospitalization for a normal delivery could easily be reduced to as little as $1,800 (or less). The ability to have everything re-priced at the insurance company’s discounted rates could save you thousands.

How a Limited Health Plan Works

All of these plans pay out specified amounts towards specific expenses. In other words, if a plan benefit sheet said that it will pay $100 for a physician visit, it literally means that it will cover up to $100 of expenses per visit for up to a certain number of visits per year. A few examples might help.

Our Homeland NowCare Plus plan pays out $2,000 for the first three days in the hospital and $1,000 for each additional day. It does not matter whether this is for maternity or because you are having your gall bladder out. The plans cover maternity the same as any other illness. So, for a normal delivery with two days in the hospital, the plan would pay $4,000 in hospital charges ($2,000 the first day and $2,000 the second). A five day stay for a c-section would provide $8,000 in hospital payment. This is in addition to payment for surgical, lab and doctor fees.

You can put the baby on the plan as soon as it is born and get the same for the child. Now you can double what you get for a hospitalization. The $4,000 becomes $8,000 and the $8,000 becomes $16,000.

The same plan pays $100 a visit for up to six office visits. Therefore, the plan will pay up to $600 for office visits that are not considered “well” visits or preventive care. This is an important distinction. The visit must not be coded as a wellness visit. Just remind your physician’s office, they will know what you mean.

The doctor and lab benefits are calendar year benefits. If you are pregant past January 1st, you get another six office visits and another three lab visits. You office visit payout can be as much as $1,200 and lab visits as much as $750.

It also pays out amounts for diagnostic testing and a fairly generous surgical benefit.

Which Plan Should I Choose?

Now that we have the basic concepts of how the plans work, let me give you some hints on which plan to choose.

You are buying a maternity plan. In other words, you are going to purchase the plan and then try to get pregnant. In all probability, most of you will be giving them lots of claims. They are definitely going to be paying you. This is not a "just in case something happens" plan.

The trick is the get the most coverage you can. You want the highest level plan with the biggest payout.

All of our plans provide access to a PPO network. So, you will be able to receive the discounted or PPO rate for services. However, we recommend that you call the hospital and see what rate you can negotiate on your own. It might be less than the PPO rate in certain instances.

This of course brings up the question, "How do I know what the PPO rates are?" The answer is you don't. You will need the billing or insurance office at the hospital to cooperate with you and let you know which is the best deal.

If you are already pregnant

If you are already pregnant then the only plan we can offer you is our NPX series of mini-medical or limited benefit plans. You can view the plans and enroll directly online with this Already Pregnant link. The best plan is the NPX4. It is the most expensive, but you will get the most benefit from it. Since you are already pregnant, there is no question that you will be using it soon.

To view the NPX4 plan you can use this already pregnant link.

The Most Important Piece of Information I Can Share With You

I want to share something with you. It is very important. I don't care whether you have maternity coverage or not. But, before you get pregnant, you must have some type of health insurance. If there is a complication or, God forbid, there is a problem with the newborn, the expenses will take your breath away and clean you out.

Now What?

Now you are in a better position to choose a plan. You now know that:

Maternity insurance means a supplement to help with maternity costs and will not cover everything. Use the links you find on this page to explore the different plans.

Any of these plans will reduce your expenses through PPO re-pricing discounts.

Still Confused? Give me a call and I will help you as best I can.

We are available:

9 am to 8 pm EST Mon – Thursday
9 am to 6 pm on Friday

Our number is 800-272-0512