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The maternity
benefit must be purchased before you become pregnant, and
may be dropped at any time.
We are
currently aware of only one company in the entire country
that is offering maternity coverage with an HSA, and that
is Time Insurance Company.
Time is a division of Assurant, and probably writes more HSA-qualified
health insurance than any other company.
Maternity
Coverage
Maternity
riders are available with all Time HSA plans*. The way
the coverage works is very simple. You will choose a
separate maternity specific deductible from the list below.
This determines the additional monthly cost that will added
to your monthly insurance premium.
You pay
only this deductible for a maternity claim, including prenatal
care all the way through delivery. You then receive
100% coverage after the deductible is met. This
limits your expenses for maternity care to the amount of your
maternity deductible.
Rates
vary by age and zip code, so please contact
us for a quote.
Your may
only sign up for this rider at the time of your initial application
with Time. Coverage must begin 90 days before conception
or no coverage is provided.
*Note:
in IN and TX, only the $5,000 and $10,000 deductibles
are available. In ID, KS, and SD,
only the $10,000 deducible is available. In UT,
the $1,000 deductible is not available. And in AR,
CA, MN, and NC, no maternity riders are
available. All other states offer all 4 deductibles
listed above.
Non-HSA
Plans
In some
states maternity coverage is not available on any other HSA-qualified
plans. Because of that, we offer traditional plans for
those needing maternity coverage.
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