When you are purchasing maternity coverage, you are paying for the pre-birthing costs (if the rules are followed) and the birthing process. With some plans you are also paying the benefit of automatically adding a newborn (if the rules are followed) to your policy with no declines or riders. This is very important! We will list specifics of various plans by referring to them as “Plan A,” “Plan B,” etc.
PLAN A — This plan works really great for maternity, as it allows newborns to be automatically accepted for coverage if the application is submitted within 31 days after the birth of the baby. The $2500 a year maternity premium may be a bit high, but one of the great benefits is that the newborn is automatically accepted for coverage, even if there are medical issues or if the baby is born prematurely. Most international health plans do not have this good coverage.
PLAN B — This is also a good option. However, it is a bit pricey because there is also unlimited coverage in the USA if one resides in one of the 30 States. But your newborn is automatically accepted like on PLAN A.
PLAN C — This plan automatically accepts newborns for coverage, but be aware that the coverage for the first month is capped at $25,000. After that, the company can place riders on certain medical conditions (an attachment to an insurance policy that alters the policy’s coverage or term, i.e., a medical issue that will not be covered), but they will still cover your newborn for all other medical issues.
PLAN D — This plan does not allow newborns to be automatically covered.
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