Does Health Insurance Cover Maternity Leave? 
Health insurance is designed to make benefit payments to medical providers . It does not replace income . Short term disability replaces income . You would need to have a policy in force prior to conception to qualify for maternity leave benefits . If you are eligible for FMLA protections , your employer must continue your health insurance benefits on the same basis as if you were working . You would have to continue making premium payments , or risk losing coverage . 