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Florida Maternity Insurance

You can still get an affordable Florida maternity insurance plan. Although, most companies have discontinued pregnancy riders or limited their coverage, you still have a few choices available.

NOTE: If you are currently pregnant you cannot get any coverage at all. There are no exceptions. Negotiate with the hospital for a flat fee for delivery.

Throughout this guide we use the term Florida maternity insurance. We do that because that is how most consumers search for this type of coverage. However, we are actually talking about a maternity rider that is attached to a health insurance plan.

This guide will help you decide if a full Florida maternity insurance plan is right for you. Or, you might decide that getting help with delivery costs will be more cost effective

The Facts

1. Both normal and c-section deliveries are almost always available for a flat fee from most hospitals. The typical rates for vaginal deliveries have been between $2200 and $3500 (without complications). This does not include pre-natal care. You can negotiate fees with a hospital. You do not necessarily need to buy an expensive discount card to do this.

Simply call the hospital and ask them if they have a maternity flat fee. That is all there is to it.

If you choose to obtain a PPO card to get a better rate, do some shopping. One card can cost you $70 a month while another might only be $30 a month. They both offer the discounted rate of a national PPO.

2. Most major medical plans will cover complications to pregnancy as long as you have not previously had a c-section. So, even if you do not have maternity coverage, an emergency c-section will still be covered.

3. Florida maternity insurance plans have waiting periods. Be sure to be aware of how long you must wait before they are effective.

There are no plans that we know of where you can take the plan and become pregnant right away. They all have waiting periods ranging from 9 to 15 months.

Florida Maternity Insurance Plans

Full Coverage - You can purchase a health insurance plan that offers an optional pregnancy rider. This rider will cover all pre-natal and hospital delivery charges. It adds approximately $120 a month to the cost of the health insurance plan and you must wait 9 months before you become pregnant to realize the benefits.

This is a full maternity plan that pays everything after the deductible. There is no co-insurance.

If you live in Dade, Broward or Palm Beach Counties, we have an HMO that offers full maternity benefits with a relatively low out-of-pocket expense. The waiting period is 15 months. This is the only maternity rider that will accept someone who has had a prior c-section.

You can call us at 800-272-0512 for more details on these plans

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