Maternity Coverage

At this time, most health insurance plans available on the individual market do not provide coverage for routine maternity coverage.  However, if you have complications with your delivery, your policy will cover those expenses just as if you were hospitalized for any other illness.

However, for families that do desire coverage for routine maternity expenses, a few carriers do offer an optional maternity coverage rider that 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.  Maternity coverage is only available on a few plans at an additional cost.  If you do not have maternity coverage, your related medical expenses can still be paid from your HSA, thus effectively making them tax deductible.

At this time, World Insurance Company offers maternity coverage.  The maternity benefit must be purchased before you become pregnant, and may be dropped at any time.

Maternity Coverage

Maternity riders are available with all World plans.  The way the coverage works is very simple.  You will have a $2500 maternity specific deductible, or a $5000 if utilizing out of network providers.  This rider is only available on individual plans with a deductible of $2900 or less, or family plans with a deductible of $7500 or less.

The monthly cost to add this optional rider is added to your monthly insurance premium.  Since quotes vary by age and residence, and are not presently available online, you will need to call one of our expert advisors at 866-749-2045 to obtain the exact cost of adding this coverage.

If you do add a Maternity rider to your World Insurance policy, you pay only the $2500 deductible for a maternity claim, including prenatal 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.

Rates vary by age and zip code, so please contact us for a quote.

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1001-A E. Harmony Rd. #519
Fort Collins, CO 80525

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