Maternity Coverage
Colorado Health Insurance

 

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A maternity coverage rider will pay expenses related to a routine childbirth.  Complications of pregnancy will normally be covered like any other illness, regardless of whether or not you have maternity coverage.  The maternity benefit must be purchased before you become pregnant, and may be dropped at any time. 

Of the many companies we represent, the following two currently offer maternity coverage:

United Healthcare underwritten by Golden Rule Insurance Company

UnitedHealthcare Maternity Coverage
With United Healthcare, underwritten by Golden Rule Insurance Company, maternity benefits are only available with specific plans (Plan 100, Plan 80, Saver 80, Copay Select, and Copay Saver), but can be purchased at any time.

An addition of the maternity rider to any of the plans helps cover costs concerning routine pregnancy and delivery, while members only pay 20% of covered expenses.  After 4 benefit years, the maximum covered expense amount is $7,500.

In order to receive expenses covered, the rider must be purchased and the arranged effective date must be met before the pregnancy.

  • For the first two benefit years, maximum covered expenses is $2,500 and the maximum United Healthcare pays is $2,000
  • For the next two years, maximum covered is $5,000, and the maximum paid is $4,000
  • If coverage extends for five years and beyond, maximum covered expense is $7,500 and the maximum paid is $6,000

Time Insurance

Time Insurance Maternity Coverage
Maternity riders are available with all Time Insurance plans.  The way the coverage works is very simple.  You will choose a separate maternity specific deductible from the list below.  This determines the additional monthly cost that will added to your monthly insurance premium.

You pay only this deductible for a maternity claim, including pre-natal care all the way through delivery.  You then receive 100% coverage after the deductible is met.  This limits your expenses for maternity care to the amount of your maternity deductible.  You also receive access to significant network discounts - often between 15 to 50% when using in network providers - before you even meet your deductible.

Deductible
Premium/Month
$10,000
$12.69
$5,000
$55.52
$2,500
$182.44
$1,000
$420.40

Your may only sign up with Assurant for this rider at the time of your initial application, or at any time in the future.  Coverage must begin 90 days before conception or no coverage is provided.

 

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