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Maternity Insurance?

KatieJTxKatieJTx
in Austin Babies

I found out blue cross/blue shield doesn't have maternity insurance. Apparently most Texas insurances don't provide it either.

Any advice? Any one have insurance that covers maternity? I'm a litttllleee freaked out now!

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Re: Maternity Insurance?

  • ChandleyChandley
    Blue Cross does have it - but you have to have an employer policy - NOT an individual one. You can do Scott and White via individual, but they are located up north I think?
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  • libbyannlibbyann member
    The only company I was able to find that offered it for individual plans was Scott & White. I've been very happy with them!
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  • JenniferL923JenniferL923 member
    I had BCBS through DH's work with DD and we were covered.
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  • august8080august8080 member

    Almost every policy through an employer provides it. Most private policies don't and if they do, are much more expensive. Scott and White has the most affordable private policy with maternity coverage.

    Depending on your income, you may qualify for Medicaid. 

    If you're open to using a midwife/birthing center, that route is usually MUCH less expensive than paying for maternity insurance once you're already pregnant. 

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  • SareBear30SareBear30
    imageaugust8080:

    Almost every policy through an employer provides it. Most private policies don't and if they do, are much more expensive. Scott and White has the most affordable private policy with maternity coverage.

    Depending on your income, you may qualify for Medicaid. 

    If you're open to using a midwife/birthing center, that route is usually MUCH less expensive than paying for maternity insurance once you're already pregnant. 

    Ditto. CHIP is another option as well.

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  • Leigha12Leigha12

    The only non-employer sponsored insurance I've seen that covered it without a separate rider and lengthy (12-18 month) waiting period has been Scott & White and insurance through a trust (for me, I was able to be covered through the State Bar).

    Are you a member of a professional organization that may have an insurance trust?

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