Supplemental Pregnancy Insurance

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Approximately 13 percent of pregnant women in the United States do not have insurance according to the American Pregnancy Association. Furthermore, the women who do have insurance coverage are often underinsured during pregnancy. Supplemental pregnancy insurance plans are available to cover costs associated with pregnancy, labor and delivery that are not covered by your regular insurance plans.


Supplemental maternity insurance may cover costs that your normal insurance plan does not pay for, including lab work, co-pays, deductibles and hospital fees. It may also help you pay for any problems or complications that arise, such as premature delivery, accidents, illnesses and complications.


You may receive monies from supplemental pregnancy insurance for income you have lost due to pregnancy and delivery, according to A.S.K. Benefit Solutions. Typically, you’ll be paid the income lost income during your maternity leave or longer if you have experienced complications.

Time Frame

You should enroll in a maternity supplemental plan as soon as you enter the planning stages of having a baby. Some companies may require a waiting period before your benefits become active. During enrollment, you will likely have to fill out forms that provide your medical history to the company.


If supplemental insurance is too expensive for your budget, you may want to consider discount maternity plans. While enrolled, you pay a lower rate on all medical services required during your pregnancy, including doctor’s fees, hospital costs and lab fees.


You should take out supplemental insurance before you are pregnant. You may be denied coverage if you attempt to enroll in a plan when you have already found out you are pregnant. If you are already pregnant and need insurance, you may be eligible for government assistance. Medicaid provides insurance coverage to low income women.