For individuals, there are only two health insurance plans available in Arizona that provide maternity benefits. Health Net offers a plan, and so does Cigna. However, the Cigna plan is actually quite difficult to purchase because Cigna does not want you to know that it is available.

The rating engine that Lehrman Group uses to calculate our customer’s monthly premium rates has removed, at Cigna’s request, their plan that includes maternity benefits from that rating engine. If you were to go to our web site’s rate request page and get instant health insurance rates for an Arizona policy (by going to http://www.lehrmangroup.com/online-quote.php) you would receive rates for most all of the health insurance plans that we recommend here to Arizona residents, including the Cigna plans that do not include maternity benefits — but their maternity plan has been removed from that system.

As brokers, we can log in to the broker portal web site for Cigna, and we can get rates for their maternity plan that way, and that is the only way. We have spoken with several Arizona-based health insurance brokers who were not aware of this capability — they thought Cigna has simply stopped offering the maternity plan. If this is what professional health insurance agents here in Arizona think, how in the world would the average person know that a maternity plan was, in fact, available from Cigna?

From a cost-outlay and “time until maternity benefits kick in” point of view, we have a much better and less costly suggestion for anyone in Arizona who is shopping for a health insurance plan that includes maternity benefits. Our suggestion is much better and a lot less expensive than either the Health Net or the Cigna option. Give us a call at (800) 600-9663 and we’ll explain that option to you.