Can you get medial as a secondary insurance for pregnancy?

Paying a second major medical insurance premium to fill the gaps in your primary coverage may not make sense. You will probably pay more in premium, than you might expect to receive in benefits.

Supplement insurance programs might make more sense, as the premium cost is much lower, and the benefits are paid directly to you rather than the doctors and/or hospital. Short term disability will cover your maternity leave, plus any other missed work due to complications, accidents or injury. Hospital indemnity insurance will cover your maternity labor and delivery, plus pay additional benefits if your child spends time in the NICU.

You will need to apply for these programs preconception.