Alabama Maternity Insurance

1-800-272-0512
9AM to 8 PM Mon - Thur
Until 5 PM on Friday

Please read this web page before calling

Alabama Maternity Insurance Guide

If you are looking for Alabama maternity insurance coverage and not already pregnant, we can help. If you are already pregnant, look at plan number 3.

First, you need to understand that there is no such thing as "maternity insurance". We use the title on this page to help you find us. But, if you called every insurance company there is, nobody would have a product called maternity insurance.

However, there are plans available that will help you cover maternity expenses. I suggest you take a few minutes and read through this page. Then, give us a call and ask questions or request a specific quote.

You will find three types of plans on this page:

1.	A regular PPO with a maternity rider. This plan has a 90 day wait before you can become pregnant. It has a $2500 deductible and then covers 100% of all maternity costs.
2.	A limited benefit health insurance plan. This plan has no waiting period but has specific dollar limits to its coverage.
3.	A reduced fee program that gets you the best possible rates for all pre-natal and delivery services.

If you are already pregnant, you can only get plan number 3. You are no longer insurable. Insurance is for something that might happen in the future. It is not for something that already happend.

800-272-0512 Mon - Thurs 9 AM to 9 PM and Fridays until 5 PM

Plan One - Traditional Major Medical PPO with a Maternity Rider

You can obtain a regular PPO health insurance plan with a maternity rider. However, you need to keep in mind the following facts:

1. If your last delivery was a c-section, you cannot get maternity coverage with this plan.
2. You cannot be pregnant for the first 90 days on this plan. Otherwise, the maternity coverage cannot be used.
3. You need to be generally healthy to obtain this plan.
4. If you currently have health insurance, you must drop it. You cannot have two plans.

You can get quotes and view this plan online. Click on this Health Insurance with Maternity link. You want to look at the MaxPlan. Be sure you specify the maternity option.

Of course you can just call me and I will do it for you.

Plan Two - Alabama Maternity Coverage Through a Limited Health Insurance Plan

We offer a limited benefit plan called the HealthMax plan. Here are a few facts that you need to know.

-	This is a limited health insurance plan that has no medical questions. Just about anyone can get this plan.
-	It is not a maternity plan. It does not care if you are having your gall bladder out or having a baby. The coverage is exactly the same.
	It does not matter if you had a complicated pregnancy in the past. It will still cover you.
-	You cannot be pregnant before the plan starts. But, once it starts, there are no waiting periods.
-	You do not have to drop other insurance to get this plan. It can exist along with your current health insurance

You can download the brochure and application by clicking on this Limited Benefit Maternity Insurance link.

Here is an overview of the plan:

It will pay up to $100 per office visit (seven visits per year)
It pays $3,000 for the first day in the hospital and $1,000 for each day after that.
It pays up to $400 for a diagnostic lab or x-ray.
It uses the Multiplan PPO network and you are entitled to the PPO discounted rates for all services.

Please keep in mind that this is not a major medical plan. It is a PPO plan and is "real" health insurance. But it does have limitations.

If you would like to see our Complete Guide on Maternity Insurance - click here

Plan Three - If You Are Already Pregnant

If you are already pregnant, any type of insurance is out of the question. However, we do have a plan that can help lower all of your pre-natal and delivery costs. We have special agents who can help you determine if this plan is right for you. Please use the special 800-460-9178 number.

If you are already pregnant Call 800-460-9178