No, these plans do not cover normal pregnancy. However, they do cover complications of pregnancy. Also, if you utilize the PPO (Preferred Provider Option) you may recieve up to 40% discount on your pre and post maternity services.
The best option if you are planning to become pregnant and need coverage is to try to acquire a group policy through an employer or acquire an individual major medical policy. You can do this during Open Enrollment, or through a Special Enrollment Period (click here to learn more about special enrollment periods). You should plan ahead and access a major medical or group plan before you become pregnant. If you’re unsure what to do, always call a licensed benefit specialist who can advise you of your options at 877-267-3752.
If you are currently pregnant – you will need group coverage through an employer (which has maternity coverage). Individual major medical plans are a good option too, but you can only enroll during Open Enrollment or if you have a qualifying event that triggers a special enrollment period.