Where do you get supplemental insurance to cover having a baby?

Answer 1

Most, if not all, major medical policies or HMO plans provide for maternity benefits unless the insured opts to exclude them. Such inclusion is often called for by so-called "mandated benefit" statutes implemented by state legislatures.

"Supplemental insurance" is a term often used to describe a separate kind of policy (not a "major medical" policy) that provides specific benefits to cover a per diem amount and other out of pocket costs that may not be covered by (or cracks in) the major medical policy (such as deductibles and copays). Often, people take out a supplemental policy through work and have premiums deducted from payroll. Often, the benefits may be ised for whatever the insured wishes.

There are a host of insurers that offer supplemental policies of various sorts--often offered by Independent Insurance Agents. One of the biggest writers of supplemental coverage is AFLAC.