Anthem Indiana Blue Cross and Blue Shield Lumenos Plans - Maternity Option
All the Anthem Lumenos plans (HSA, HIA and HIA Plus) cover complications due to pregancy (i.e. emergency caesarian section) and offer optional benefits for routine maternity expenses for an additional cost, which is not common in individual health insurance policies. The cost of this option depends on the plan, age, tobacco useage, and county, but it is usually reasonably priced for the materntiy benefits it covers.
Maternity Waiting Period
A 12-month waiting period must be satisfied before these benefits begin. Once the waiting period is satisfied, pregnancy expenses are covered the same as any other medical condition. There are no extra deductibles or co-payments that need to paid before the maternity benefits begin.
Combining Materntiy Option with an HSA
Many individuals find combining the Anthem Lumenos HSA plansn with a Health Savings Account (HSA) to be very advantageous. This allows individuals to pre-fund inevitable maternity expenses on a pre-tax basis while earning interest during pregancy. If you do not receive materntiy coverage through an employer-plan, the combination of an Anthem Lumenos HSA plan and an HSA is probably your best option.