¿Existen períodos de espera para usar el plan en embarazo y parto?

Sí. Para que el suplemento hospitalario cubra el parto, el plan debe contratarse antes de iniciar el embarazo. Además, aplica un período de espera para condiciones preexistentes y maternidad. Solo los partos ocurridos después de ese tiempo estarán cubiertos.

¿Qué gastos cubre el suplemento hospitalario?

Al finalizar tu estancia en el hospital por parto, recibirás un pago fijo que puedes usar para cubrir gastos de tu bolsillo: consultas prenatales, deducibles, honorarios médicos o la propia factura del parto.

¿El plan cubre cesáreas y emergencias?

Sí, siempre que la hospitalización por parto (ya sea natural o cesárea) ocurra después del período de espera y bajo cobertura activa. El pago se realiza de la misma forma: una indemnización fija por la estancia hospitalaria.

¿Qué sucede si no utilizo el suplemento hospitalario durante el embarazo?

El beneficio sigue siendo útil: el plan también paga indemnización en caso de otras hospitalizaciones (accidentes, cirugías o enfermedades), no únicamente por maternidad.

¿Puedo usar este plan si ya estoy embarazada?

No. Si el embarazo comenzó antes de contratar la póliza o dentro del período de espera, el parto no estará cubierto. Es indispensable contar con el plan antes de iniciar la maternidad.

Pregnancy Plan - Arrue Insurane

Affordable pregnancy planning

This plan is designed to provide you with affordable and reliable access to medical care during pregnancy, from prenatal visits to delivery and recovery. Its purpose is to help you take care of your health and that of your baby, prevent complications, and reduce the financial impact of medical expenses.

With this coverage, you'll receive regular checkups, financial support for hospitalization, and the peace of mind of having quality medical care at every stage. It's an option designed for women who plan their pregnancy in advance and want to maintain their well-being without facing high or unexpected costs.

Why should you have health coverage?

Continuous prenatal care

Access to medical consultations and checkups throughout pregnancy to detect any complications early and ensure healthy development.

Financial support during childbirth

The Hospital Indemnity Supplement provides direct payments that you can use for deductibles, co-pays, or any other expenses related to your hospital stay.

Financial security and peace of mind

By having an ACA Silver plan plus a hospital supplement, you protect your savings, avoid financial surprises, and guarantee the care you deserve when you need it most.

Motherhood is one of the most important stages of life, but medical costs can be high if you don't have adequate coverage. With this plan, you'll have the security of being covered both during prenatal visits and at the time of delivery:

Access to regular medical visits, tests, and prenatal checkups.
Hospital coverage and additional financial support in case of childbirth.
Hospital coverage and additional financial support in case of childbirth.
Freedom to use severance payments to cover deductibles, transportation, rent, or any other needs that arise.

This plan is designed for middle- and high-income women (200%–400% of the federal poverty level) who plan their pregnancy more than 12 months in advance, have career goals, and want to maintain financial stability during this stage.

Smart coverage for your pregnancy

Childbirth is a planned hospitalization. Unlike other medical emergencies, childbirth is a known event that requires funding.

There is a waiting period for pre-existing conditions and pregnancies. You must purchase this hospital insurance policy before starting your pregnancy. Your hospitalization for delivery must occur after the required waiting period.

After your hospitalization, you will receive a payment that will cover your out-of-pocket expenses for prenatal care, deductible, and delivery costs.

Month 0

Pregnancy planning

Month 13

Start Hospital Policy

In month 3 or later start pregnancy

10 months of prenatal care

Delivery in 10 months

FAQs

Are there waiting periods for using the plan during pregnancy and childbirth?

Yes. For the hospital supplement to cover childbirth, the plan must be purchased before starting the pregnancy. There is also a waiting period for pre-existing conditions and maternity. Only births occurring after this time will be covered.

What expenses does the hospital supplement cover?

At the end of your hospital stay for childbirth, you will receive a fixed payment that you can use to cover out-of-pocket expenses: prenatal visits, deductibles, doctor's fees or the delivery bill itself.

Does the plan cover cesarean sections and emergencies?

Yes, provided that hospitalization for childbirth (either natural or cesarean section) occurs after the waiting period and under active coverage. Payment is made in the same way: a fixed indemnity for the hospital stay.

What happens if I do not use the hospital supplement during pregnancy?

The benefit is still useful: the plan also pays compensation in case of other hospitalizations (accidents, surgeries or illnesses), not only for maternity.

Can I use this plan if I am already pregnant?

No. If the pregnancy began before taking out the policy or within the waiting period, the birth will not be covered. It is essential to have the plan in place before starting maternity.

Do you have any further questions?

Consult with us

We know choosing a coverage plan can be confusing, and that's why we're here to help. Our goal is to make sure you fully understand your options and make the best decision for you and your family.

Leave us your information and we'll contact you to answer your questions and guide you through anything you need. No pressure, no commitment, just real, personalized advice.