How to Pick Short-Term Medical Insurance That Will Cover Maternity

Short-term medical insurance is a policy that is put into place for a specified amount of time. This coverage is, generally, intended to cover individuals during short time intervals. Some short-term policies will not cover pre-existing conditions and routine office visits, but instead only cover major medical issues. Most short-term medical insurance policies will not cover routine maternity care but will cover pregnancy if complications arise.

Instructions

• 1

  Make a list of local insurance agents who specialize in medical insurance. Begin by calling each agent and asking if he sells any short-term medical policies that cover maternity care. For the agents who do offer this, provide the necessary information to obtain a quote. Ask him to email or fax the policy details to you. Continue calling until you are able to obtain a few policy quotes.

• 2

  Write down key details on each available plan such as cost, length of time you can have coverage, maternity copays, as well as what is covered specifically, including blood work, ultrasounds, office visits and delivery. Find out what hospitals are covered and whether any precertifications are required or if prescriptions are covered.

• 3

  Evaluate the importance of each detail. Cost may be one person's key factor while another person may want the ability to deliver in a certain hospital. Finding the perfect policy from your limited choices will be difficult, and you may be forced to settle for the next best option.

• 4

  Select the option that you feel will work best for you, and contact the insurance agent to begin the process of putting the policy in place.