Maternity Coverage

Know the Difference between Group and Individual Maternity Coverage?

Maternity coverage can be the most frustrating part of insurance for many young families. Most individual health insurance policies exclude a maternity benefit. You can purchase a rider that will cover office visits and child birth. Most, if not all companies in Florida will not provide coverage if you are already pregnant. However, under Florida Small Group Reform group health insurance carriers cannot put a pre-existing condition on you for pregnancy. Group health insurance will cover maternity costs up to the limitations and exclusions of the policy.

*Maternity coverage means the insurance covers part or all of the medical cost during a woman's pregnancy. Coverage is broken down into inpatient and outpatient services. Usually, inpatient coverage includes hospitalization and physician fees associated with child birth. Outpatient coverage pays for prenatal and postnatal OB-GYN office visits. Certain terms may vary.