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If you are not pregnant and you would like to add additional maternity insurance coverage to your New Mexico individual health insurance plan, there are quite a few things that you should be made aware of. Most New Mexico 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 New Mexico 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 New Mexico maternity insurance plans pay nothing until the 12 month waiting period has expired. It is good to shop numerous health insurance companies in New Mexico 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 New Mexico maternity insurance plans and maternity benefit options.
In the state of New Mexico, we suggest that you take some time and find out if your current health insurance includes maternity coverage. Most group plans through your employer or business organization in New Mexico do include maternity insurance coverage. However, if your current health insurance plan does not include maternity, then we can help you find maternity health insurance in New Mexico. It is a good idea to obtain maternity health insurance coverage before you become pregnant. Not all New Mexico health insurance companies offer pregnancy insurance coverage. If you are already pregnant and do not have health insurance, you may find it difficult to find the best maternity insurance options. Either way, we are here to help you!