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If you are not pregnant and you would like to add additional maternity insurance coverage to your California individual health insurance plan, there are quite a few things that you should be made aware of. Most California individual health insurance policies that actually offer a maternity rider (some do not) will allow you some amount of maternity coverage, but at an addition to the standard plan premium. It is common for maternity insurance riders to have a long waiting period of 6 to 12 months before they cover any type of pregnancy costs. Some maternity riders in California can allow 100% to be paid up to a set amount for your pregnancy and delivery after 12 months while other maternity riders only allow for 50% of the benefit paid. On rare occasion, maternity benefits begin immediately without a waiting period. Other California maternity insurance plans pay nothing until the 12 month waiting period has expired. It is good to shop numerous health insurance companies in California and compare the benefits that are offered from each health insurance company. If you allow us to assist you, you will have the opportunity to compare many California maternity insurance plans and maternity benefit options.
If you are currently pregnant, are considering getting pregnant, or have someone on your health insurance plan that is currently pregnant or will become pregnant soon, especially if you live in the state of California, then you have come to the right website. Our goal is to show you a multitude maternity health insurance options available to you in the state of California. We also want to help you realize that there are many common misunderstandings concerning maternity insurance, maternity riders, maternity discount plans and other types of maternity coverage in California.