1. 47 POINTS
    Kevin Haney
    A.S.K. Benefit Solutions, New Jersey
    Anyone purchasing health insurance for maternity should recognize that they are likely to utilize more healthcare, and have greater needs than the general population. A normal pregnancy and childbirth entails extra doctor visits, testing, and a hospital stay. 

    One quarter of pregnancies experience complications, and one in eight babies are born preterm and require an extended stay in neonatal intensive care. 

    You can purchase coverage through state exchanges or at work during open enrollment. The best plan anticipates that having a baby generates large claims. The policy with the best coverage of in-network NICU units may make the most sense - regardless of premium costs.
    Answered on May 23, 2014
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