How It Works

Simple steps to get paid when you welcome your baby.

Sign Up
A smiling pregnant woman filling out an online insurance application on her laptop.
A smiling pregnant woman filling out an online insurance application on her laptop.

Choose your benefit amount and enroll before pregnancy.
Coverage must be active at least 10 months prior to delivery.

A hospital room with a mother holding her newborn baby, looking peaceful and happy.
A hospital room with a mother holding her newborn baby, looking peaceful and happy.
A close-up of a check being handed to a new mother in a hospital bed.
A close-up of a check being handed to a new mother in a hospital bed.
Hospital Stay

Receive up to $5,000 on day one and $750 for each additional hospital day.

Benefits are paid directly to you and stack with other insurance or disability coverage.

Receive Payment

FAQs

Who qualifies?

Most healthy applicants can qualify by completing a short health questionnaire. Approval is based on carrier underwriting guidelines, and many applicants are approved quickly.

How much does PregnancyPayPlan pay?

You choose your benefit level. Coverage can pay up to $5,000 on the first day of hospitalization and up to $750 per day for additional hospital days, depending on the option selected.

Benefits are paid directly to you and may be used for deductibles, time off work, travel, or other expenses.

Is income considered…?

No. Benefits are not based on income or employment status, making this coverage accessible to both working and stay-at-home mothers.

Yes. This is an indemnity plan, which means benefits are paid in addition to other insurance, including short-term disability or major medical coverage.

Can I combine benefits?
When do payments start?

After delivery, we help you file the claim. Payment timing varies by carrier and claim review, but benefits are paid after the claim is approved.

Can I apply for maternity coverage if I’m already pregnant?

For maternity benefits, the policy must be in force at least 10 months before delivery.

When will it pay for maternity?

No. Maternity benefits require coverage to be in force prior to pregnancy. This plan is designed for those planning ahead.

Apply Now

Because this is an A-rated carrier, applications are completed with an agent to ensure accuracy and proper coverage.

A smiling woman filling out an online insurance application on her laptop at home.
A smiling woman filling out an online insurance application on her laptop at home.
Waiting Period and Cost

The plan must be in effect for 10 months prior to having a baby for the coverage to pay.

How much does it cost?

Rates vary by age and state. Typical ranges are about $50–$85/month for higher benefit levels (estimate).

Check Eligibility & Pricing