Georgia Health Insurance With Maternity Options

If you are looking for health insurance in Georgia to cover maternity you are out of luck. Currently (9/28/2010) there is only one health insurance company with a maternity option and that will be gone by the end of the year.

Consider this a casualty of Obamacare since the few health insurance companies that did offer maternity benefits dropped them once Obamacrap became law.

When considering maternity coverage there are options but they are limited.

If you have a Health Savings Account (HSA) you can pre-fund your pregnancy related expenses. Since routine maternity expenses are no longer covered under your health insurance plan it is a good idea to have a discount medical plan in place. One of the best around is from Careington.

You don't need a discount plan such as Careington but the potential savings can be tremendous. When maternity was a covered expense under health insurance plans it was not unusual to see doctors & hospitals discount their fees by 40% or more when insurance was involved.

If you choose to fund maternity yourself and decide to bypass the Careington discount plan, you should be prepared to negotiate hard with cash in hand. Expect to pay close to $6,000 in 2010 for a normal, vaginal birth with no complications. A non-emergency C-section adds another $3,000 or so to the total bill. Complications of maternity can quickly push the bill beyond $20,000 and if the baby is distressed even a short stay in NICU can run $5,000 per day.

In most cases, complications of maternity are covered as any illness under major medical plans offered by health insurance companies such as Aetna, Blue Cross, Cigna, Humana, United Healthcare and more.

If you are currently pregnant and do not have health insurance you will not be able to buy health insurance in Georgia at any price. You are wasting your time and money on limited medical plans including plans like Core Health. Same goes for things you may see online like the Maternity Card. 

You may be able to find public assistance through the folks at Coverage for All.

One last thing . . .

If you currently have health insurance in Georgia, with or without maternity coverage, you do need to notify your carrier within 30 days of the birth of your child so your baby can be added on to your policy. Health insurance companies in Georgia are required to add newborns without regard to medical underwriting as long as they are notified within the 30 day window following the birth.


As of today (10/1/2010) there are NO health insurance companies in Georgia offering maternity coverage.


Blue Cross was wavering on maternity care at the time the update was posted. They have since decided to offer a maternity benefit subject to a 12 month wait.

Link to Blue Cross Premier brochure. Link to Blue Cross Forward Focus brochure.


  1. BCBS tells me they will cover maternity… That is Blue Cross Blue Shield of Georgia… But 12 month waiting period.

    • Bob Vineyard says:

      Yes, that is true. The have one plan with a maternity rider for which you pay an extra premium. Benefits begin after you have had the policy for 12 months.

  2. I understand the 12 month waiting period, but is this 12 mos to deliver OR before you can get pregnant??

  3. Bob Vineyard says:

    The Blue maternity benefit is overpriced for what you receive. They used to allow global billing, which could get some of the prenatal care covered and possibly the delivery. I choose not to address that since it is discretionary. It is also a claim issue, not contractual.

    If you are satisfied with the maternity rider, that is great.

  4. BCBS offers a rider at a large premium. The 12 month waiting period is not pre-conception though. You must have the rider for 12 months and 1 day prior to delivery. Therefore, if you concieve 3 months after purchasing the rider, and deliver exactly 9 months and one day later, you are covered, if you go early, you are not covered.

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