Florida Maternity Insurance Guide

Are you are looking for Florida maternity insurance? Insurance to cover maternity costs can be very difficult and expensive to obtain. But, if you take a few minutes to read this page, we might be able to help.

Please read this page BEFORE you call.

If you are already pregnant,
YOU CANNOT GET INSURANCE
Call 800-460-9178 for a special plan


Our number is 800-272-0512 and you can reach us from
9 AM to 8 PM EST Monday -Thursday and until 5 PM on Fridays
Do not call this number if you are already pregnant.

Some Basic Facts About Florida Maternity Coverage

1. There is no such thing as Maternity Insurance by itself. We use the name in our web site heading because that is what you typically search for.

These are health insurance plans with maternity coverage. You cannot actually buy a separate maternity insurance plan to add to your own insurance plan..

2. Maternity Rider - We can offer you regular major medical insurance with a maternity rider. There is a 90 wait from the time the plan starts before you can become pregnant.

3. Indemnity Health Insurance that covers Maternity - We have limited benefit health insurance plans that will cover maternity expenses the same way the cover all other medical expenses.

PPO Health Insurance Plan with a Maternity Rider

Note: This plan has a 90 day wait before you can become pregnant. Let me say it again to avoid any confusion. If you take this plan, the maternity benefits will not be available to you if you become pregnant before you held the plan for 90 days.

This plan is available in every Florida county.

Let me give you the short version of how this plan works.

This is a regular, comprehensive, major medical plan. It covers doctor office visits, prescriptions and of course hospitalization.

There is a large choice of PPO networks availble for this plan, so chances are we will find your doctor in one of our directories.

The maternity portion must be taken when you sign up for the plan. Maternity benefits have their own separate deductible. The most cost effective deductible for the maternity benefit is $2,500. This means that your total out of pocket expense to have a baby is $2,500. They pay the rest. You can get lower deductibles.

Until recently, I never had a maternity plan as comprehensive as this one.

Once the baby is born, if you do not plan on additional children, you can drop the maternity rider or move to another plan.

Unfortunately, if you have had complications during past deliveries (i.e., c-section), I cannot offer you the rider. I do have other ways to cover a c-section which I can discuss with you.

If you have been searching for "real" maternity insurance, this is the plan to get.

I have other riders with different carriers that pay a portion of the maternity expenses, but they are more expensive for less coverage.

Indemnity Insurance and Maternity Coverage

HealthMax and HealthChoice Indemnity Plan

This is what is known as a defined benefit plan. These plans pay fixed amounts for hospital, doctors and lab tests. Using one of these plans, you can get anywhere between $4,000 and $5,000 for a normal delivery and between $6,000 and $7,000 for a c-section.

More importantly, your delivery will go through the PPO for re-pricing. This means you get the PPO discounted rate for everything. Using the PPO, the amount you receive will not be too far from what the pregnancy costs. Plus, these plans can be used as a regular health insurance plan. Even if you purchase a low cost indemnity plan for $145, you still get everything repriced. This could save you thousands.

For more details on these types of plans, go to our special maternity insurance plans web page.

Negotiate Your Rates

You can always call your local hospital and ask for the "cash price" for maternity services. Just about every hospital has such a rate. Or, you can use a special service that will do it all for you.

While, you could try and call the hospital yourself. This service already has negotiated rates that might be better than what you could obtain on your own.

For special rates on maternity services, click here now.

Next Steps

If you would like more information on health insurance with comprehensive maternity coverage, give me a call, it is the fastest way. If I do not pick up, leave a message and I promise I will call you back.

800-272-0512 Mon - Thurs 9 AM to 8 PM and Fridays until 6 PM Eastern Standard Time.