Better regular and supplemental hospital/maternity insurance plans are available if you're NOT pregnant. But if you're already pregnant, there's still a plan whose benefit is A LOT GREATER THAN THE COST over the remainder of the pregnancy. Here are the main requirements::

1. The birth must occur more than six months after the policy effective date, which is usually the day you sign the application. (So, obviously, you wouldn't want to buy the insurance if you're due in less than 6 months)

2. Stay at least two days in the hospital after the birth. If you stay 3 or 4 days (c-section for example) your benefit is even greater. Federal law allows a woman a hospital stay of at least 48 hours after normal childbirth, and 96 hours after c-section.

Because of insurance regulations, company names and premiums can't be mentioned on this website. But if you'll list your contact information below, someone will contact you with an exact quote.