Most individual health policies lack pregnancy coverage
Kristen Gerencher in CBS MarketWatch reports:
When it comes to covering the medical costs of bringing a new human being into the world, women are largely on their own in the individual health-insurance market.
Many individual policies either don’t cover deliveries or offer coverage in the form of a rider, which costs extra and may require women to wait — sometimes for several years — before they qualify to have a covered pregnancy.
“The riders are sort of silly,” said Karen Pollitz, senior health-policy researcher at Georgetown University Health Policy Institute. “They’re expensive. You basically need to pay the premium on it for three years before it will cover anything.”
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