Maternity Insurance and the Cost of Pregnancy – Fact and Fiction

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If you or someone on your health insurance plan is pregnant, or will become pregnant, then this article is for you. The aim of this article is to explain some maternity options available to you and to debunk some common myths concerning maternity insurance, maternity riders, maternity discount plans, and other types of maternity coverage.

If you are a Florida resident, and you are pregnant, you may not be eligible for maternity coverage under an individual health insurance plan. Those who purchase some type of maternity coverage before they become pregnant can be rewarded, while those who wait until they are actually pregnant may not have the same opportunity. If you or your spouse has access to a group health insurance plan through their employer, now is the time to inquire about enrolling. Many group health insurance plans cover maternity just as they do any other illness. However, it’s important to keep in mind that not all plans are the same. Some may have higher deductibles or co-pays, so it’s always best to compare your options and find the plan that works best for you and your family.

If you are looking to add maternity coverage to your individual health insurance plan, and you are not currently pregnant, there are a few things to keep in mind. Most individual health insurance policies offer some level of maternity coverage through a rider for an additional cost. It is common for a maternity rider to have a waiting period of at least 12 months before benefits are paid out. Maternity riders offered by Golden Rule/United Healthcare in Florida allow full benefits to be paid up to a set amount after 12 months and 50% of the benefit paid out beginning immediately.

So how much does a pregnancy cost in Florida? What kind of maternity benefit should I have? How much will I pay out of pocket for the pregnancy and related expenses? These are important questions and the answer may be, “Not as much as you think.”” According to, the average cost of a normal delivery in Florida is $1,689. The average cost of a cesarean section in Florida is $14,458. As you can see, there is a significant difference in cost between the two types of deliveries. If complications arise during pregnancy, the cost of delivery can increase significantly.

There are a lot of options available when it comes to maternity and health insurance. It’s important to do your research and find the right plan for you before you need it.

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