Does anyone have any GOOD information about maternity supplemental insurance? Does such a thing exist?

Hindsight is 20/20 but most individual policies do not cover maternity and those that do cover it only as an option. That is one question you needed to ask your agent.

There is no maternity supplemental insurance. If there were the only people buying it would be pregnant people.The cost would have to be high to cover both the maternity costs and the company expenses and profit.

There are maternity discount cards. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/... for more information. Many other states are starting to ban these cards as well.

Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients. Also ask them how much of a discount they give with the card and how much of a discount they give paying cash. The cash price usually will win out.

Other than that you can make a payment plan with the doctor and hospital. Start paying a little each month and by the time the day arrives you'll have it paid for.

It depends on what state you live in. Here in Texas, you CAN buy "maternity only" coverage. It costs roughly $300 a month, you have to buy it at LEAST 90 days before conceiving, and it has a $5,000 deductible. If you're looking for a $100 deductible, $50 a month plan that covers pregnancies that begin within the first six months, that's not realistic. Obviously, or maybe not, the cheapest maternity coverage, is a rider on a regular health insurance policy.