Nevada Health Insurance | Maternity Coverage

Maternity Coverage

We have several options for your maternity needs. Because of insurance companies’ waiting periods it is important to plan ahead. Each plan has a different waiting period and coverage options change if you are already expecting.

Pregnant and need insurance? Most individual health insurance plans will not accept one who is pregnant or anyone in that family unless coverage is in place before pregnancy. (HIPAA Exception) Options for medical coverage are available when you or someone in your family is pregnant. Keep in mind that though you can have health insurance coverage, maternity might be excluded. Talk to us for more details and for help in finding the best rout for you.

Assurant Health (Time Insurance) - 90 day conception waiting period for maternity coverage. The best full medical PPO plan with maternity coverage available on an individual health plan in Nevada. (This option goes away as of 5/1/10)

Health Plan of Nevada (HPN, HMO Option 1) - 12 month waiting period for maternity coverage. As an HMO the plan has low co-pays and no deductible to meet.

Homeland Healthcare - Next day conception waiting period for maternity coverage. (Cannot conceive until after effective date of coverage.)

Group Health Insurance - There are many advantages of a group plan when considering maternity. Often the plan will provide maternity benefits with no waiting period. Small business owners have many options and possibly tax incentives.