Pa health insurance with maternity coverage is available through Pahealthinsurancecoverage.com, Pennsylvania’s leading online website for Pa maternity benefits. We make it easy for you to locate  health insurance plans that include maternity. Individual medical plans for pregnant women will generally cover many of the associated expenses,  such as prenatal doctor visits, lab work, ultrasound, delivery fees and hospital expenses.

In most parts of the state, Aetna will offer the best maternity option. The “HMO 20” and “HMO 30” plans offer comprehensive maternity coverage to Pa residents, including newborn services. There is no deductible to meet and the daily copay is $450 per day and $550 per day respectively. Aetna also offers three additional plans that include maternity services (HMO 1500, HMO 2500 & HMO 5000). Each of these three plans cost less than the “HMO 20” and “HMO 30” plans but requires the deductible to be met before any maternity benefits are paid. And once the deductible is met, a 30% coinsurance must be paid. We highly recommend the HMO 20 and HMO 30 plans.

When an Aetna HMO plan is used, you must select a Pennsylvania Participating Primary Care Physician (PCP) and use services within the Pennsylvania service area. Two exceptions would be an emergency or urgent situation. A full list of benefits and exclusions can be provided. Aetna’s network is extremely large and finding a doctor or local hospital will not be a problem.  If you are traveling out of  the area, you would still be able to use benefits.

For the central part of the state, Geisinger is a great option. Maternity benefits can be added as a rider to most plans and the rate is extremely affordable. Geisinger is one of the most respected carriers that offer this type of coverage. But their rates are the most attractive in the Harrisburg area and surrounding counties.

Western Pennsylvania residents can get comprehensive maternity coverage from Highmark. Benefits are provided at 90% after the deductible is met. There are various deductible options including a low $1,200 choice. We’ll be happy to help explain the benefits and provide current rates.

UnitedHealthcare  previously had very competitive maternity rates. Unfortunately, they do not offer that coverage at this time in the state. If this rider is ever added to their portfolio again, we will publish details on this blog.

Another option is to purchase a Pa Health Savings Account, which is available from most major insurers. Deposits into a Health Savings Account reduce your taxable income as long as these funds are used on qualified medical expenses (as defined by the IRS). You can deposit funds into your Health Savings Account than can be later used to pre-fund expected routine maternity expenses. Funds would be considered pre-tax and could potentially save thousands of dollars in expenses. Also, you may be eligible for a “negotiated network discount” on your maternity expenses if you have qualified health care.

For additional information on Pa health insurance with maternity coverage, please call us at (888) 513 6446 or request a free rate quote at the top of the page. You’ll be able to  compare or apply online for the best Pa health insurance plans.

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