Looking for insurance that will cover pregnancy?
We are not pregnant yet. We are both self employed and want to find an insurance plan that covers pregnancy before we start planning. Any suggestions?
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Answer by Lori S
Most individual policies have a 12-18 month waiting period before they pick up the costs of the pregnancy. Which means in most cases, it is a pre-payment plan. Contact your OB and hospital to see what their cash discount amount is and contact a local independent agent to compare the premium costs. You will probably find that paying cash up front is equal or less than getting maternity coverage. This is only a good idea if you have a policy that already covers complications of pregnancy.
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