Exactly why we opt out of it. I can save more than I would spend and pay cash. My regular insurance would clover any issues if there is a problem. I just want to make sure I am not going to have to now pay for it.
I just signed up for individual coverage with Humana, literally 90 minutes ago. Pregnancy is excluded with the exception of specific complications as defined in the policy. (Obviously this is a standard list for individual and family policies).
I would interpret that to mean maternity coverage in general is not part of the policy. Of course, I live in Mississippi so my policy might be different.