Supplemental Maternity Insurance
Contact Supplemental Maternity Insurance: Bret Harding (801) 372-2647
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Purchase a Supplemental Maternity Insurance Plan For Under $50 a Month and Receive $2,400 When You Have Your Baby!
We Offer Plans From Reputable Carriers Like AFLAC, Humana, and More!
Call or email Bret Harding: Ph. 801-372-2647
Purchase Two Supplemental Maternity Insurance Plans and Receive $3,600 When You Have Your Baby!
Both Plans Can be Purchased for Under $90.00 per month.
Call or email Bret Harding: Ph. 801-372-2647
Email Bret for more information on maternity insurance coverage: Bret@HardingInsuranceBrokers.com
Watch this Short Video to Learn More About Supplemental Maternity Insurance.
Supplemental Maternity Insurance Help’s You Pay the Bills that Health Insurance Leaves Behind
Purchasing the right supplemental maternity insurance policy can be confusing. This type of supplemental insurance cannot be purchased if you’re currently pregnancy. These policies pay for the prenatal and hospital expenses that are not covered by health insurance. Purchasing a good supplemental insurance policy will help you pay the “out-of-pocket” medical expenses that traditional health insurance plans leave behind. For example: Nearly all health insurance policies have a “medical deductible” that must be met before the insurance carriers starts to pay it portion of your medical bills. Most medical plans have a medical deductible between $1,000 - $5,000, which leaves you coming up with a lot of money to pay for your pregnancy. Plus many health insurance plans now days also have a separate “maternity deductible” which may leave you paying additional money for you pregnancy.
Not only do you have medical and maternity deductibles to worry about, you may also be missing time off from work when you deliver your baby. Most women take anywhere from 3 -6 weeks off from work when delivering and caring for your new baby. When you consider your out-of-pocket medical deductible, which typically range from $1,500 - $3,000, plus your unpaid time-of from work, you’re easily looking at $4,000 - $6,000. Costs can add up quickly, but with a little bit of foresight and planning on your part purchasing a supplemental maternity insurance policy will help ease the financial stress.
Purchasing Supplemental Maternity Insurance Before You’re Pregnant
We all know health insurance companies are in business to make money, not giving it away! These organizations accept money from consumers in exchange for a guarantee that bills will be paid if a future event takes place. If the future event never happens, the health insurance companies make a profit. When a woman is pregnant, this medical condition is guaranteed to cost the insurance providers bottom line. Therefore, no insurance company will issue a supplemental pregnancy policy to a pregnant woman. Only non-pregnant women can purchase pregnancy policies.
The insurance companies require non-pregnant women to purchase their important supplemental maternity insurance policies months before a pregnancy occurs. After the policy is purchased it’s a good idea to wait 2 – 4 months before getting pregnant. Each insurance company has their own rules that their insured policy holder must follow before the policy can be used to pay for maternity expenses. Since the costs of having a baby can be thousands of dollars, a good supplemental pregnancy policy is needed.
The supplemental maternity insurance policies are not very expensive to own. The benefits of owning these policies outweigh the insurance rules that require a wait-time before the pregnancy can begin. With the pregnancy policies, consumers can have a baby without going into debt due to medical bills and missed time away from work.
How a Supplemental Maternity Insurance Policy Works
Your health insurance plan was either purchased through your place of employment or from a private health insurance carrier; often times these policies have expensive co-pay or up-front deductible you must pay whenever healthcare services are needed. For most people, these high out-of-pocket charges are not affordable. After a baby is born, if the primary insurance carrier has not paid all healthcare expenses, lower-income families can run into troubles with creditors.
When you choose to purchase a supplemental insurance plan for maternity costs, all medical bills can be paid by the insurance carriers. If you have a health insurance plan with a high deductible (i.e. $2,500, $5,000) a supplemental pregnancy policy becomes a necessity. A good supplemental policy will cover a pregnancy unexpected expenses that are not covered by other types of insurance.
Summary
Purchasing a supplemental maternity insurance policy a few months before you plan to get pregnant is the difference between a stressful pregnancy and stress free pregnancy. We recommend you purchase at least one policy and in most cases purchase two, and together both polices pay you $3,600 for a two day hospital stay. The beauty is both policies together costs less than $90 a month, so even if you’re not good at math you can see you’re making a good investment.
We offer supplemental maternity policies to our clients from reputable carriers, like AFLAC, Humana, and American Public Life Insurance. The carriers we represent have the highest financial strength ratings from all the major rating companies (i.e. Standard & Poor, Moody’s, etc.), this ensures you’ll be paid. Learn more today, contact Bret Harding and get your plan in-place.
Learn More About Supplemental Maternity Insurance: www.SupplementalMaternityInsurance.net
For Quotes on Major Medical with Maternity Health Insurance Coverage Please Call or Email our Agency.
Call or email Bret Harding: Ph. 801-372-2647
Email Bret for more information on maternity health insurance coverage: Bret@HardingInsuranceBrokers.com
(Maternity Health Insurance Plans Not Available in all States)
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