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Maternity insurance in Rhode Island is an extremely important benefit to carry whether you are pregnant or not. Maternity health insurance covers many, if not all, of the major costs associated with your pregnancy. Normal health insurance policies for females usually cover expenses specific to women such as gynecology. But maternity coverage in many cases is a separate health plan benefit that is added to your individul health insurance in Rhode Island. Those women who do not have maternity coverage in place must either add this coverage to their existing health insurance policy or purchase a Rhode Island health insurance plan that provides for maternity coverage. Please allow us to help you with that!
If you are not pregnant and you would like to add additional maternity insurance coverage to your Rhode Island individual health insurance plan, there are quite a few things that you should be made aware of. Most Rhode Island 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 Rhode Island 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 Rhode Island maternity insurance plans pay nothing until the 12 month waiting period has expired. It is good to shop numerous health insurance companies in Rhode Island 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 Rhode Island maternity insurance plans and maternity benefit options.