Anthem Blue Cross and Blue Shield - Maternity Plan Benefits
All Anthem Blue Access plans cover complications due to pregancy, but routine maternity benefits are not covered. However, routine materntiy benefits are available for an additional cost on a limited number of the plans.
Plans that offer an optional maternity benefit include:
- Blue Access Plan 2 (the only traditional PPO with a maternity option)
- Anthem Lumenos Plans (high deductible plans)
Blue Access Plan 2 Maternity Benefit Option Restrictions
If you elect the Blue Access Plan 2 optional materntiy benefit, there is a 12-month waiting period for routine pregancy services. This means that Anthem will not pay for any routine materntity services before until you have had the plan for 1 year. After the 12-month waiting period, a $1,500 maternity deductible must be satisfied before Anthem begins covering routine materntiy expenses. After the deductible is met, routine materntiy claims are covered at 80% and if the out-of-pocket maximum is reached, services are covered at 100%.
Maternity Option Costs
The Anthem Blue Access maternity option is extremely expensive at $317.91 for all Colorado residents. If you want Anthem coverage for routine pregnancy charges, the Anthem Lumenos plans can be purchased at more reasonable cost.
Lumenos Materntiy Benefit Option
For a detailed description of the optional maternity benefit available with the Lumenos Plans, visit the Lumenos maternity benefit option page.