Maternity Coverage: What to Look for in a Health Insurance Plan for Expecting Parents

Aug 16, 2023 | Knowledge Sharing

Welcoming a new addition to your family is an exciting and transformative experience. As you prepare for the journey of parenthood, one essential aspect to consider is maternity coverage in your health insurance plan. In this blog post, we’ll dive into the importance of maternity coverage, what to look for when selecting a plan, and how proper coverage can ensure a smooth transition into parenthood.



Maternity coverage is a crucial component of health insurance that provides financial protection and support for expectant parents during pregnancy, childbirth, and postpartum. This coverage typically includes a range of medical services, from prenatal care to delivery and follow-up care for both the mother and the newborn.



  1. Financial Security: Pregnancy and childbirth involve various medical expenses, including prenatal visits, ultrasounds, hospital stays, and postpartum care. Maternity coverage ensures that these costs are covered, preventing unexpected financial burdens.
  2. Access to Quality Care: Adequate maternity coverage allows you to choose healthcare providers, specialists, and hospitals that align with your preferences and needs, ensuring personalized and quality care throughout the pregnancy journey.
  3. Healthy Pregnancy: Regular prenatal care is vital for monitoring the health of both the mother and the baby. Maternity coverage encourages expectant mothers to seek timely medical attention, reducing the risk of complications.



  1. Coverage Start Date: Check when the maternity coverage begins. Some plans might have waiting periods before you can avail of maternity benefits.
  2. Prenatal Visits: Ensure that the plan covers prenatal visits, including routine check-ups, screenings, and ultrasounds. These visits are essential for tracking the baby’s development and the mother’s health.
  3. Labor and Delivery: Understand the coverage for labor and delivery expenses, including hospital stays, anesthesia, and any necessary interventions.
  4. Postpartum Care: Consider coverage for postpartum visits, as well as any treatments or consultations needed after childbirth.
  5. Coverage for Newborn: Confirm that the plan extends coverage to newborn care, which may include well-baby check-ups, vaccinations, and any immediate medical attention required.
  6. Network of Providers: Check if your preferred healthcare providers, including obstetricians and hospitals, are in-network. In-network providers generally come with lower out-of-pocket costs.
  7. Out-of-Pocket Costs: Understand your potential out-of-pocket expenses, including deductibles, co-payments, and co-insurance. Knowing these costs can help you plan financially.



  1. Review Your Current Plan: If you’re already enrolled in a health insurance plan, review its maternity coverage. If it’s insufficient, consider switching to a plan that better meets your needs.
  2. Special Enrollment Period: Some life events, such as pregnancy, might qualify you for a special enrollment period. This allows you to change your health insurance plan outside of the usual enrollment window.
  3. Anticipate Future Needs: Maternity coverage isn’t just about pregnancy; it’s also about providing for your child’s medical needs. Consider a plan that covers pediatric care and vaccinations.



Selecting the right maternity coverage is a significant step in preparing for the arrival of your baby. It offers peace of mind, financial security, and access to quality care during this transformative time. By carefully assessing your health insurance options and considering the key factors outlined in this post, you can ensure that you and your growing family are well-supported, allowing you to focus on the joyous journey of parenthood.

At KwaraCare, our maternity health care services under our packages include

  • Family planning counselling services
  • Presumptive malaria treatment drugs
  • Identification of danger signs affecting pregnant women
  • Cesarean delivery (C-section)
  • Vaccination Foetal growth monitoring
  • Monitoring of danger signs Postnatal care for first 6 weeks