Florida Maternity Insurance

Florida Maternity Insurance Guide

Are you are looking for Florida maternity insurance? Insurance to cover maternity costs can be very difficult and expensive to obtain. But, if you take a few minutes to read this page, we might be able to help.

Please read this page BEFORE you call.

If you are already pregnant, I CAN offer you a plan that will pay part of your maternity expenses. If you are not yet pregnant, please continue to read through this page. Otherwise for more information, click on

All Ready Pregnant Coverage

Our number is 800-272-0512 and you can reach us from
9 AM to 8 PM EST Monday -Thursday and until 6 PM on Fridays
Do not call this number if you are already pregnant.

Some Basic Facts About Florida Maternity Coverage

I am going to try and make it easier for you to understand your options for maternity coverage. The are a number of approaches you can take. Each has its advantages and disadvantages.

NEW Supplement Program - this is the best possible deal you can get for Florida maternity coverage. It can be used by itself, with your existing health insurance or to pay off the deductibles on a traditional maternity rider. For more information click this link - Florida Maternity Supplement

NEW Plan if You are Already Pregnant, we now have a mini-med plan that will cover you. This is not full coverage but it does pay out a reasonable amount towards your expenses. It is available in most states.click on this link for details - Pregnancy Insurance

Florida Health Insurance Plan with a Maternity Rider

Note: This plan has a 90 day wait before you can become pregnant and is available in every Florida county.

This is a regular, comprehensive, major medical plan. It covers doctor office visits, prescriptions and of course hospitalization.

There is a large choice of PPO networks availble for this plan, so chances are we will find your doctor in one of our directories.

The maternity portion must be taken when you sign up for the plan. Maternity benefits have their own separate deductible. The most cost effective deductible for the maternity benefit is either $2,500 or $5,000. This means that your total out of pocket expense to have a baby is either $2,500 or $5,000. They pay the rest.

Once the baby is born, if you do not plan on additional children, you can drop the maternity rider and/or move to another plan.

Unfortunately, if you have had complications during past deliveries (i.e., c-section), I cannot offer you the rider. I do have other ways to cover a c-section which I can discuss with you.

Indemnity Insurance and Maternity Coverage

This is what is known as a defined benefit plan. These plans pay fixed amounts for hospital, doctors and lab tests. We offer a very wide variety of these type of plans. Some are better if you anticipate a c-section and others are more cost effective for a normal delivery.

We also have more details on maternity plans at the maternity insurance plans web page.

Negotiate Your Rates

You can always call your local hospital and ask for the "cash price" for maternity services. Just about every hospital has such a rate. Or, you can use a special service that will do it all for you.

While, you could try and call the hospital yourself. This service already has negotiated rates that might be better than what you could obtain on your own.

For special rates on Florida maternity services, click here now.

Next Steps

If you would like more information on Florida maternity coverage, give me a call, it is the fastest way. If I do not pick up, leave a message and I promise I will call you back.

800-272-0512 Mon - Thurs 9 AM to 8 PM and Fridays until 6 PM Eastern Standard Time.