Where can I find inexpensive maternity health insurance for a self employed middle class income married woman?
If you don’t qualify for Medicaid there is no inexpensive maternity coverage. In fact, maternity is more of a pre-payment plan than insurance because the insurance company knows you are planning on having a baby when you get on such a plan. They are not going to pay out more than they take in. With maternity, when you do the math and add up the extra premium during the waiting period that all individual plans have you’ll find you’re actually paying more for maternity than if you paid cash in most cases. All doctors and hospitals will work with you and accept payments while you’re pregnant to cover the delivery. That being said, you do need insurance even if you don’t have maternity. All insurance plans in most states must cover complications of pregnancy, such as a c-section, even if you don’t have maternity coverage. Beware of maternity discount cards. If you can find a doctor that accepts the card you’re still paying as much as if you paid cash.
