• The routine maternity limit: This is the monetary limit imposed by the insurance company as to the maximum reimbursement of any maternity related costs. Some maternity plans will offer a full refund for any medical costs related to the pregnancy, while other plans may have a limit of US$ 5,000 – 10,000. When choosing your maternity plan, make sure to understand any limits that may be applicable.

• Pre and Postnatal check ups: These are important to protect the health of the mother and child both before and after the birth. The costs associated with going to the OBGYN for these check ups can quickly add up. It is important that your plan offers you the ability to have stress free check ups.

• Home Delivery: In some cases new parents will want the option of having their child at home rather than at a hospital. If this is the case it is important that your plan will cover this option. Home delivery costs will usually include midwife fees, specialist consultations, and new born care. Home delivery costs can be comparable to the costs associated with having your child at a hospital.

• Medically prescribed caesarians: In the event that it is medically necessary for you to have a caesarian section then many maternity plans will cover the cost of this in full. It is important to look at the coverage levels of your plan to fully know what emergency or medically necessary procedures it covers. In the event that something does go wrong you do not want to be left unprotected.