if you buy an insurance plan on the private market today you'll spend extra for maternity coverage as you found out. most plans on the private market do not include maternity so gaining that coverage requires that you buy a rider to the plan. your options i'm afraid are to either pay the higher price or purchase a plan through your state's marketplace (start shopping october 1 2013) for a plan that will take effect january 1 2014. all plans sold through the marketplaces must cover maternity care.
i live in connecticut and i want to get pregnant but i am on a private insurance plan that wont cover it. any ideas? . i do not qualify for low income health insurance and can't afford the $600 a month to be on my husbands plan. i really don't want to wait till 2014 for the health care reform to kick in. please tell me there is an insurance company out there that will cover me!