Generally it is not a good idea to have more than one health insurance plan because only one will be your primary coverage. You need to be careful if you want secondary coverage. Many policies will not allow you to get a policy if you already have a policy.

Having said that, there are supplemental plans that pay YOU instead of the doctor or hospital. They are with companies such as Aflac and are supplemental plans. They are set up so that you get a certain dollar amount for each doctors visit, emergency room visit, hospital stay, or surgery.

While I represent individual insurance companies I don't generally recommend these supplemental type plans unless you go with an HSA where you don't have co payments and you have a high hospital deductible.

But you get what you pay for with insurance. If you want low co payments and deductibles then your premium will be high. I would recommend getting a primary plan that is good enough and saving money to pay co payments and deductibles.

I hope this helps.

Some health insurance plans may include coverage for pregnancy. You want to check with the plan when requesting your quotes.

Ask about pre-existing conditions coverage in the health plan and how your coverage and deductibles are applied to pregnancy – What exactly is covered. This way you won't be surprised when you need the coverage during your pregnancy.

You want to make sure you understand the coverages offered, coverage limits, deductibles, co-pays, and exclusions for any pre-existing conditions.

I recommend the two top-rated health insurance quote providers:

1) InsureMe – they give you the five best health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to – http://www.insureme.com/landing.aspx?Refby=613598&Type=health

2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country.

I hope that helps! Take care and best of luck!