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At this
time, most HSA qualified 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 HSA-qualified 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 in combination with an HSA policy in more states than any other carrier.
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 HSA plans,
as well as their non-HSA policies. 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 866-749-2039 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.
In
some states Blue Cross Blue Shield also offers maternity coverage.
As this coverage, and its cost, will vary by age and residence, you can run a
quote here or call one of our expert advisors at 866-749-2039 to obtain the exact
cost of adding this coverage. *Note:
customers in Montana and Oregon will receive coverage for routine maternity expenses,
as mandated by state insurance laws. For details on how this coverage works,
please review the product brochure for the policy you are considering purchasing.
You can find the product brochure by running a quote, clicking details next to
the plan you are considering, and then clicking on the link near the bottom of
the page to open the brochure. Customers
in the state of Minnesota have the option of purchasing a Minnesota Qualified
Plan I, II or III. Each of the plans comes with a very low deductible, as
well as routine maternity coverage. The cost of these plans is significantly
higher than any other Assurant policies. Quotes for these plans are not
available online. If you are interested in one of these policies, please
call 866-749-2039 to speak to with one of our expert advisors
Rates
vary by age and zip code, so please contact us
for a quote. Non-HSA
Plans In
some states maternity coverage is not available on any other HSA-qualified plans.
Because of that, we offer traditional plans for those needing maternity coverage.
Rates vary by age and zip code, so please contact us
for a quote. | 
