What Health Insurance Plans Cover Maternity? 
The answer t your questions depends on a couple factors like location as insurance is sold sate by state . The easy answer is GROUP insurance . If you have insurance provided by your employer , you likely have maternity . Blue Cross has a maternity rider you can add at time of application . It is expensive and you have to have it several months before the pregnancy . The Affordable Care act fully implemented January 2014 includes maternity . If you are already pregnant , you OBGYN will work with you on payments . Should there be a medical emergency your insured wife will get the medical attention she needs as will the baby AND the mother your child is born he / she is covered on your existing plan . You have 30 days to inform your carrier so the new born can be added to the policy . 