Reinventingmyself asked:


I’m trying to figure out if it’s better to have a plan with a maternity rider option or take a plan that already covers maternity. I found a plan that allows maternity rider to be added on later and the monthly premium is less per month. But regardless if it’s with a rider or no- the waiting period is still 12 months.

Which way is the best option? My husband and I aren’t planning for kids for another couple of years but want to be covered when the time is right.

Robin