Are maternity expenses eligible for sharing?

Can I apply if I am already pregnant?

Maternity is eligible for sharing after the mother has been a member for 12 months*. Sharing is limited to $150,000 for any pregnancy event, including antepartum care, the cost of delivery and complications to the mother, and postpartum care (this is applied regardless of the number of babies the mother is carrying during the pregnancy event).

For ineligible maternity events, any fetal abnormalities and/or congenital abnormalities noted in medical records prior to the mother joining Impact Health Sharing, will be considered a pre-existing condition and would not be eligible for sharing.

To be eligible, delivery must be performed by a Medical Doctor, Doctor of Osteopathy, or Midwife who is properly licensed, certified and/or registered in the state of delivery.

The newborn can be a member from birth if a request to add them to the membership is made within 30 days of the date of birth.

*⚠️ However, as part of a beta test, maternity needs may be eligible for sharing if their recorded due date is at least 10 months after their Impact enrollment date.

This temporary policy is under review and has not been formally adopted into the Guidelines.

If the mother is not a member for 12 months* prior to delivery, the following are instances where maternity bills are ineligible for sharing:

Click Here For our Maternity Guidelines

•    Medical bills incurred before the newborn’s Membership Date

•    Unresolved maternity medical conditions of the child or mother

The 12-month* requirement is determined by the Estimated Due Date (EDD) documented in the medical record. If the EDD is at or after the 12th month* of membership, then the maternity event is eligible for sharing.