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The maternity
benefit must be purchased before you become pregnant, and
may be dropped at any time. If you are already pregnant
and looking for coverage, click
here.
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.
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. You also receive access to significant
network discounts - often between 15 to 50% when using in
network providers - before you even meet your deductible.
The flat
monthly premium is as follows:
|
Deductible
|
Premium/Month
|
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$10,000
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$8.34
|
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$5,000
|
$36.47
|
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$2,500
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$119.83
|
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$1,000
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$276.13
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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.
*In Texas,
the maternity rider is only available with a $10,000 deductible.
And in North Carolina, the Time Maternity rider is not available.
Non-HSA
Plans
Maternity
coverage is NOT available on any other HSA-qualified plans.
Because of that, we offer traditional plans for those needing
maternity coverage.
Humana
This optional
maternity benefit is also designed to help cover the cost
of routine pregnancy and delivery. This plan has an
additional $500 deductible, and will pay up to 60% of the
costs of routine pregnancy and childbirth. The premium
is approximately $107.00 per month, depending upon your age.
Please contact us for an exact quote. Maternity coverage
is not available with an HSA plan, unless otherwise mandated
by your state.
Already Pregnant?
If you
are already pregnant, individual policies will not cover you
until after your delivery. While we are unable to offer
anyone in that situation traditional insurance coverage, we
have partnered with Affordable Health
Care Options to offer a program that can help save
you up to 60% off your maternity costs.
For more
information on this program, please complete the AHCO
Online Form and you will be contacted by Affordable
Health Care Options within the next 24 hours.
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