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Someone asked: I am planning to get pregnant, but not husbands company provides a bridge for maternité.Je thought the spouse may couvert.Et pregnancy and the baby would be covered after birth. What this person is meant by jumper? She is on her insurance maris.Pourquoi it is for us all that is a driver?

7 Thoughts on What is a pilot health insurance?
  1. Reply
    December 21, 2012 at 12:13 pm

    I saw that question and was curious about the same thing. In my experience, “regular” health insurance has ALWAYS paid for maternity coverage. And once the baby was born, all we had to do was add that child to our regular policy (by informing our employers), and then all her medical bills were covered as well.

    A “rider” is something you pay extra for on insurance. Again, I have never heard of maternity benefits being considered “extra”.

  2. Reply
    December 21, 2012 at 1:11 pm

    Some insurance policies are issued with the option of a maternity rider. It is more common on individual policies that people buy and pay for themselves. A person who has no inclination to have a child can choose not to put this rider on and save a bit of money. Riders are attatchments to policies that cover specific things.

  3. Reply
    A Hunch
    December 21, 2012 at 1:56 pm

    A rider with medical insurance is just like a rider with other insurance.

    With homeowners insurance = if my house is robbed my homeowners insurance will cover my cheap jewelry from target or macys as part of the standard policy. But unless I have a rider, specifically telling them there is something extra like a $ 5000 diamond ring, the ring is not covered.

    With car insurance = the car would be covered like it is out of the factory. If I get special rims, tires, and a high end stereo system that is not covered unless I have a rider on the policy.

    With health insurance the woman didn’t know exactly what she was talking about. Standard individual coverage for a female does not cover maternity. In the old world (pre-Obamacare), if you wanted maternity coverage, you had to get a maternity rider in addition to your regular coverage. In this era where there is a pseudo bridge to Obamacare, maternity riders are not typically available (it might be a state by state thing or insurance company thing = if it is still available).

    With a group plan, she would never be eligible for a rider. The plan either covers something or it doesn’t. It appears her husband’s plan does not cover maternity. Unless she can get on her own group plan that covers maternity, it’s unlikely she will be able to find any coverage. Many doctors are doing “prepaid services” = if you pay X amount by the 7th month, they will do the delivery for that set amount, even if it becomes more complex.

  4. Reply
    December 21, 2012 at 2:24 pm

    Some policies have maternity as a separate coverage that needs to be added to the plan to cover maternity. It would be called a maternity rider. However, it would be rare to see that on a group policy.

  5. Reply
    December 21, 2012 at 2:49 pm

    All a rider is, is a “change”. It can be as simple as a change of address, if you move, or a change of beneficiary.

    Or, it can be a change that adds maternity benefits. If a rider were applied to a fast food restaurant, it would be the fries, that you “add on” to the hamburger.

    Not all employers offer maternity benefits. Clearly, your husband’s employer does not – however, you can plan and budget for your birth costs. If something radically goes wrong, usually health insurance will pick up things like emergency surgery.

  6. Reply
    December 21, 2012 at 3:38 pm

    A “rider” is something that you add onto an insurance policy for extra money. In this case, the husband’s company offers insurance that does not cover maternity or pregnancy. They want a rider to add that, but the company does not offer it.

  7. Reply
    December 21, 2012 at 3:49 pm

    This is called a maternity rider that helps cover medical expenses associated with pregnancy and delivery. But sad to say not all health/medical insurance today offer this type of rider and probably the company insurance of your husband doesn’t have this specific type of rider.

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