Maternity-Coverage-Badge

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.

What You Should Know About Maternity Insurance Plans

  • Mandated maternity coverage: Maternity care coverage is mandated on plans that conform to Affordable Care Act (ACA) standards. If you select an employer group health plan or a plan through the Health Insurance Marketplace, you’ll have maternity coverage. Plans purchased through the marketplace must include coverage for birth control and breastfeeding.
  • Medicaid: Pregnant women with low income can qualify for Medicaid, which provides free or low-cost health coverage to those who qualify.
  • CHIP: If you don’t qualify for Medicaid, you might qualify for the Children’s Health Insurance Plan (CHIP).
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

How We Rate Maternity Insurance Companies

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.

What is the Best Maternity Health Insurance?

There are numerous ways you can get health insurance that covers pregnancy. Common options for affordable maternity insurance plans include:

  • Employer plans: Group health plans may be a benefit you receive at work and your employer may pay some or all of your monthly premium. Eligibility for employer-sponsored insurance varies by company. Maternity coverage is mandated under ACA-compliant group health plans, but coverage levels vary.
  • Health Insurance Marketplace plans: The Health Insurance Marketplace lets you shop around individual health insurance plans. All marketplace plans are ACA compliant and must provide maternity care coverage for you and your baby before and after the child is born. You may qualify for subsidies to reduce your monthly premium. Plans purchased through the marketplace must include coverage for birth control and breastfeeding.
  • Medicare: Many people on Medicare are aged 65 or older, so pregnancy coverage isn’t typically needed. However, this government-sponsored health insurance coverage is also available to younger people with qualifying disabilities. Medicare covers pregnancy, childbirth, and postnatal care, but it won’t cover your baby once it’s born.
  • Medicaid: This federal/state government health insurance program provides free or low-cost health coverage to pregnant women who qualify based on income. You can enroll any time and your coverage begins immediately. Your baby is automatically covered under Medicaid after birth. You can apply for Medicaid directly through your state Medicaid agency or through the Health Insurance Marketplace.
  • CHIP: The Children’s Health Insurance Program offers anytime enrollment with immediate coverage. Most states only cover children in families with low incomes who don’t qualify for Medicaid, but six states enroll pregnant women in the CHIP program. You can apply for CHIP through the Health Insurance Marketplace or directly through your state agency. This program is income based, so not everyone will qualify.

Aetna Maternity Insurance: Best for customer service