Skip to content

Health & Pregnancy

Maternity Gap in High-Deductible Plans

Childbirth and Pregnancy Often Uncovered in Plans
Font Size
A
A
A

Lower Premiums

Health insurers promote consumer-directed plans as a good alternative to expensive group coverage. Tom Wilder, vice president of America’s Health Insurance Plans (AHIP), an industry lobbying group, says the lower up-front offered by the plans give many Americans access to coverage they otherwise couldn’t afford.

One industry study shows that premiums for some consumer-directed plans are nearly 40% lower than other employer-sponsored group coverage. “That’s less of a cost that you’re going to have coming out of your pay check,” Wilder says.

The Fine Print

But Mila Kofman, the study’s other author, warns insurance shoppers that figuring out which costs are covered and which are not can be exceedingly difficult.

“The summaries of the policies [examined by researchers] did not accurately reflect what was covered and what was not covered,” she says. As for reading the entire policy, “they’re not written in English,” Kofman says of the legal language.

Experts Tuesday recommended young families considering consumer-directed plans to ask marketers a lot of detailed questions about what maternity costs -- if any -- are covered.

“If you’re going to go there, you need to go there with your eyes open and realize you could be spending a lot,” Salganicoff says.

1 | 2

Pregnancy Week-By-Week Newsletter

Delivered right to your inbox, get pictures and facts on
what to expect each week of your pregnancy.

Today on WebMD

hand circling date on calendar
Track your most fertile days.
woman looking at ultrasound
Week-by-week pregnancy guide.
 
Pretty pregnant woman timing contaction pains
The signs to watch out for.
pregnant woman in hospital
Are there ways to do it naturally?
 
slideshow fetal development
Slideshow
pregnancy first trimester warning signs
Article
 
What Causes Bipolar
Video
Woman trying on dress in store
Slideshow
 
pregnant woman
Article
Close up on eyes of baby breastfeeding
Video
 
healthtool pregnancy calendar
Tool
eddleman prepare your body pregnancy
Video