My husband and I are both self employed and looking to start our family. I really wanted to keep my same doctors so we started looking for insurance with maternity coverage that wouldn't cost an arm and a leg. AWA called and said it covered tons of things including 70% of maternity costs and mental health services. When our packet arrived in the mail, the paperwork very clearly stated that NEITHER of these services were included. I immediately called my sales rep to ask what was going on. I was not allowed to talk with my original sales rep and was told again by someone else that the maternity and mental health was in fact covered. I desperately didn't want to feel cheated so I believed them and moved on.
Recently my husband was injured at work so I called the actual claim department to discuss what we were responsible for while the workers comp claim was under review. They said everything. They provided no coverage for his injury. I again asked about the maternity and mental health coverage and was told they do not provide any benefit for either AND THE PERSON WHO TOLD ME IT DID LIED TO ME.
Policy cancelled. I now have Kaiser and even though I had to switch doctors, I love my new ones and am super happy.
BOTTOM LINE: The sales reps will say anything to you to sell you a policy. DO NOT TRUST THEM.