All Anthem's standard Indiana plans cover complications of maternity, but exclude coverage for services related to routine pregnancy. However, for an additional premium charge Anthem provides a routine maternity benefit option with the PremierPlus plan for Indiana residents.
This optional maternity benefit is hardly the equivalent of what is offered under health plans sponsored by large employers, but it is about as good as it gets for individual and family policies available in Indiana:
18-month benefit waiting period
If you elect the Premier Plus plan optional maternity benefit, there is a 18-month waiting period for routine pregnancy services. This means that Anthem will not pay for any routine maternity services until 18 months from the policy effective date.
After the 18-month waiting period, a $3,000 maternity deductible (in addition to the plan's regular deductible) must be satisfied before Anthem begins covering routine pregnancy expenses. After the deductible is met, routine maternity claims are covered at 100% or 80%, depending on the PremierPlus benefits you have chosen. If you have the Premier Plus 80% plan and the out-of-pocket maximum is reached, routine maternity services will be covered at 100%.
Adding this option to a PremierPlus policy can increase a woman's premium by approximately 50%, so it does not come cheap. However, in the event of a covered routine maternity, the additional premium could be returned several times in additional benefits.