Anthem Traditional PPO Plans - Indiana
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Anthem Pregnancy Benefits
Anthem Blue Access Plan 2 provides optional routine maternity expense coverage at a meaningful additional cost.
No routine pregnancy benefits are offered under any of the other Anthem traditional PPO plans for Indiana residents. However, the new (as of January 1, 2007) Anthem Lumenos products provide an optional maternity benefit under high deductible plans.
12-Month Benefit Waiting Period
Under the Anthem Blue Access Plan 2 maternity option, there's no coverage for routine pregnancy services provided during the first 12 months of coverage.
Separate Deductible
After this 12 month period, coverage under the maternity option begins, though it is subject to a distinct $1500 deductible. After the deductible has been satisfied, routine maternity expenses will be covered at 80% and subject to Plan 2's out-of-pocket expense limit.
Complications vs Routine Maternity
All the Anthem Blue Access plans include comprehensive coverage for complications of pregnancy, which can include services such as emergency caesarian section. The optional maternity benefits under Blue Access Plan 2 apply only to routine maternity expenses, such as typical prenatal, hospital and delivery charges.
Pricing for Maternity Option
The Anthem Blue Access maternity option is not attractively priced at an additional monthly charge of $317.91 for all Indiana residents. If you want Anthem coverage for routine pregnancy charges, the Anthem Lumenos plans are a much better option.
