In California, all individual and family health insurance plans added maternity coverage starting in July. That is great news for a lot of people. This is because, before, many plans did not offer coverage and the ones that did were very expensive. Additionally, many individuals would wait until they were expecting a child and then apply for coverage. Health insurance carriers viewed this as a pre-existing condition and many would deny coverage to the applicant.
Now, because of the health care reform, maternity coverage is included on the health insurance plans. And the coverage is good because it covers the doctor visits, ultra-scans, and hospital stays. An interesting fact about hospitals stays though, is that some hospital charges will actually be accessed on the child. So its important that you add the new born quickly to the plan. In California, most carriers give you 10-30 days to add the child to the health insurance plan.