When you’re expecting, you need your health insurance provider to cover your maternity health care needs. If you’re pregnant or plan to become pregnant, it pays to compare your options, and planning ahead before you conceive may provide more choices. The best option will provide affordable maternity insurance plans that cover all the essential health benefits you need, both before and after your baby is born. You have numerous choices of health insurance companies that cover pregnancy.
Keep reading to learn more about the best maternity insurance companies, what the companies have to offer, and which aspects are most important to compare.
|Health insurance company||Financial strength rating||Customer satisfaction rating||Value rating||Coverage rating||Overall rating|
|Aetna: Best for customer service||5||4.8||4.8||4.8||4.8|
|Anthem: Best value||5||3||4||4.5||4|
|Blue Cross Blue Shield: Best for nationwide coverage||5||4.5||4.5||4.5||4.6|
|Cigna: Best for coverage options||4.5||4.1||4||4||4.2|
|Highmark: Best for coverage options||4.5||4||4||4||4.1|
|Humana: Best for employer plans||4||4.5||4.5||4.5||4.4|
|Kaiser Permanente: Best for high NCQA ratings||5||4.5||4.8||4||4.6|
|Molina Healthcare: Best for underserved populations||5||3||3||4||3.8|
|UnitedHealthcare: Best for plan options||4||4.8||4.8||4.8||4.6|
|WellCare: Best for prescription plans||3.5||4||4.2||4.5||4|
Financial strength: The financial strength rating is based on the insurance company’s AM Best financial strength rating. AM Best is a credit rating agency specializing in the insurance industry, which rates an insurer’s ability to meet ongoing obligations.
Customer satisfaction: The customer satisfaction rating takes into account Kaiser Permanente’s Better Business Bureau, National Committee for Quality Assurance, and Consumer Affairs ratings. These ratings are calculated using customer complaints and satisfaction ratings.
Value: The value rating calculates an insurer’s overall value based on monthly premium, annual deductible, office visit cost, ER visit cost, and annual maximum out-of-pocket cost.
Coverage: The coverage rating considers the insurer’s availability of coverages, plan types, and network size.
There are numerous ways you can get health insurance that covers pregnancy. Common options for affordable maternity insurance plans include: