Are maternity or pregnancy-related expenses covered with Patriot America Plus?
No, Patriot America Plus does not cover maternity or pregnancy-related expenses. The plan specifically excludes coverage for pre-natal care, delivery, post-natal care, and care for newborns.
Key coverage exclusions to know:
- No maternity coverage: This includes all costs associated with pregnancy, childbirth, and the care of newborns.
- Pregnancy is a pre-existing condition: If a person is already pregnant at the time of enrollment, the policy will not cover the pregnancy because it is a pre-existing condition. Some plans also explicitly state that applicants cannot be pregnant on the effective date of coverage.
- Complications are not covered: Excluded services include complications of pregnancy, miscarriage, and delivery.
- No routine care: The plan does not cover routine care, which includes routine physical examinations and immunizations.
Important considerations for pregnant travelers
Because Patriot America Plus and similar visitor insurance plans do not cover maternity, a person who is pregnant or planning to become pregnant will need different coverage options.
If you are a U.S. resident, plans purchased through the federal Health Insurance Marketplace are required to cover pre-existing conditions, including pregnancy. If you are a visitor, you may need to explore domestic health insurance options for pregnancy-related care if eligible.
Disclaimer
Plan features listed here are high level, provided for your convenience and information purpose only. Please review the Evidence of Coverage and Plan Contract (Policy) for a detailed description of Coverage Benefits, Limitations and Exclusions. Must read the Policy Brochure and Plan Details for complete and accurate details. Only the Terms and Conditions of Coverage Benefits listed in the policy are binding.