General maternity questions and answers
Question: Are newborn children automatically accepted on their covered parent’s Meridian plan?
Answer: Newborns are not automatically accepted and do have to be individually underwritten.
Question: How do I apply for my newborn?
Answer: An application (general application) for a baby at least 14 days old along with the hospital medical records from the delivery will need to be submitted. The application will only have the newborn’s information. Please put on the top of the first page of the application the parent’s names as well as ‘request to add baby on to our policy.’
If accepted your baby will have the same policy benefits stated in your policy.
Question : Are the stated limits in the Essential and Enhanced for delivery only, or do they apply to pre-natal checkups, mid-wives, hospitals, drugs (like epidurals), scheduled caesarian sections, etc? And in the Enhanced plan, would pre-natal checkups, for example, apply toward the $5,000 deductible or is that for the birth only?
Answer: Benefit for maternity includes all related charges. The additional deductible for maternity on Enhanced would apply to these charges (or these charges would apply to the deductible).
Meridian Essential maternity questions and answers
Question: Can the maternity rider be added at renewal time for the Meridian Essential?
Answer: Yes, the maternity rider may be added to your policy at the time of renewal as long as you are not currently pregnant. You may also delete / take off the maternity rider at the time of renewal. However, the only time you may add or delete the maternity rider is at the time of renewal, which happens at the end of the 12 month policy period.
Question: How does the optional maternity rider read on the Meridian Essential policy?
Answer: If Optional Maternity Rider is purchased: routine and Medically Necessary Maternity care of the Participating Member; mother and her Newborn during the first thirty-one (31) days of life, if the delivery of the Newborn and the charges incurred are eligible for coverage and are covered under the Terms of this insurance the plan will pay $10,000 per coverage period ($50,000 Maximum Limit)
Meridian Enhanced maternity questions and answers
Question: On the Meridian Enhanced plan, there is a 12 month waiting period for maternity coverage. Does this mean that a pregnancy would not be covered if it were started during this 12 month period, or simply if the delivery were during this period? An example: Jane gets on the Meridian Enhanced plan, and becomes pregnant 5 months into her policy. Would she be covered for her delivery?
Answer: The benefits are based upon the date(s) of service delivered. Any eligible maternity benefit would begin after the client has gone into their second year (13th month) of coverage. So, in your example, Jane would likely require prenatal care. Any prenatal charges in the first year (first 12 months of the policy) of coverage would not be eligible. Prenatal care, deliver, and post natal charges that occur after the first renewal would apply to the overall maternity benefits.