marriage help: I am pregnant and have health insurance but maternity is not included. - Help.com

I work in the health insurance industry as a broker. Depending on the state that you live in, you may be able to negotiate contracted rates that your carrier would pay if Maternity was included with your plan with your OB/GYN. Usually this contracted rate is substantially less than what they would charge you on a “retail” basis. If you live in a state where maternity is typically excluded from group health plans, your OB/GYN’s office can probably provide you with financing options for their services. The hospital facility charges would also be handled in this way.

Other options to consider would be: 1-check with your employer to see if a maternity rider could be purchased at your expense on your plan. 2-If you are both on one employers plan, but work for two different companies, check with the other employer’s plan to see if maternity would be covered. Some people believe that because you are married, you have to be listed as a husband and wife on one health insurance contract. However, the fact is that if you work for two differnt companies, unless the employer foots 100% of the premium for the employee and dependent cost, it is usually cheaper for each person to go on their employers plan as a single (it’s just a contract type not a marriage status)as the employer usually subsidized the most amount of premium for the single employee.

I hope that this information is helpful. If you think I might be able to help you furthter, please send me an e-mail