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