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Maternity Sharing

Support for your maternity needs, every step of the way.

Understanding how maternity sharing works is important as you plan for your family’s care. Below you’ll find key information about eligibility, updates to our program, and how to get the support you need.
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How do I know if my maternity is elgible for sharing?

Members become eligible for maternity sharing after 12 months* of active membership. Sharing is limited to $150,000 per pregnancy event, which includes:

  • Antepartum care

  • Delivery costs

  • Complications affecting the mother and/or child(ren)

  • Postpartum care

To be eligible, delivery must be performed by a medical doctor (MD), doctor of osteopathy (DO), or a properly licensed, certified, and/or registered midwife.

Important Update: Beta Launch of Shortened Maternity Waiting Period

We're testing a shorter 10-month waiting period for maternity needs. During this beta phase, members may be eligible for sharing if their recorded due date is at least 10 months after their Impact enrollment date.


Please note: This is a temporary pilot program and may change. For the most current information, refer to the Member Guidelines.

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When Maternity Needs Are Not Eligible for Sharing

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

  • Medical bills incurred before the newborn’s membership date.

  • Unresolved maternity medical conditions of mother or child.

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.

What else should I know?

What if my maternity is not eligible for sharing?

As long as either mom or dad are Impact members, your baby can be considered part of your Impact household from birth.

Complete and return the Application to Add a Family Member(s) within 30 days of birth. There is no application fee for adding your child to your membership.

Please Note: You do not have to provide the baby’s social security number to add the newborn to your membership.


If you have not been a member since conception, any expenses related to your current pregnancy will not be eligible for sharing. However, discounts may be honored at your provider’s discretion. This includes medical bills for maternity or delivery related to the birth (mother or child). Remember, bills related to complications the baby experiences after delivery will be eligible for sharing, provided you add your baby to the membership within 30 days of birth.

Assistance may be available through an alternative program. We have Patient Advocates who can help. If you qualify, the alternative program may pay for your current pregnancy.
What if I have a miscarriage? In the unfortunate event that you suffer a miscarriage, treatment of the miscarriage may be eligible for sharing even if the maternity was ineligible. Please give our team a call. We are here to help. 
How do I find a provider?

Impact does not use a provider network. You may keep your current provider or go to any provider of your choice. 

1. Present your Impact member card.

2. Ask the provider to bill Impact using the information on the back of your member card. All of the information that their billing specialist will need is on the card. Our phone number is also included on the card if they have any questions. If they ask what network Impact participates with, you can let them know that you are free to see any provider you choose.

If your provider has uncertainty, Impact can assist. Provider Outreach is available for reaching out to your provider if they are hesitant about accepting Impact Health Sharing.
Do I need to request a pre-eligibility review?

Yes! A pre-eligibility review is required for maternity sharing.

A 3-5 business day notice is required, expedited review on a case-by-case basis. Medical records are required to determine pre-eligibility, and failure to provide requested records for review will result in the bill being ineligible for sharing.


Providers may request pre-eligibility by calling (855) 378-6777 or on our online form.
Can I use a midwife or birthing center?
Midwives and home births may be eligible for sharing. We encourage you to schedule a call with the team for more information. A midwife must be licensed, certified, or registered in the state of delivery for sharing to be considered. Impact requires verification of these credentials and a copy of documents confirming the state license, certification or registration of the midwife. Failure to provide this documentation will result in the bills being ineligible for sharing.
 
Birthing Centers – These facilities are an option and follow the same process as other facilities. 
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How to Submit Medical Bills

In some instances, you may pay for your service up-front. In this case, you will request reimbursement from Impact.
You can do so electronically. Just use the link below to access the Member forms. 

EXPENSE FORM

More Questions?

We're here to help!

(855) 378-6777