Insurance companies offer many different types of policies. Maternity coverage is typically an added benefit, or rider, that requires an additional premium that is added to a typical health insurance policy. Maternity insurance coverage pays for many of the medical bills that are incurred during a pregnancy. Some maternity insurance plans pay for prenatal care where some do not.
All maternity plans have some very specific terms and conditions. It is important to make sure you are aware of the defined maternity benefits that a maternity plan offers. Usually, health insurance covers many of the unexpected expenses that are incurred, for example, unexpected medications or hospitalization charges. Most maternity insurance plans, however, do not cover usual expenses, such as prenatal vitamins or regular checks-ups, unless otherwise defined by the coverage outlined in the maternity insurance policy. Typically, the more a maternity insurance plan covers, the higher the premium. The broader the coverage, the lower the premium.