I went to a Humana product training session and also to the full carrier product roll out. The same information was presented at both pertaining to maternity coverage. They say that although the maternity coverage is not in-force until 12 mths after issue, if a person become pregnant prior to that, and the doctor(s) agree to do "global billing", they will cover it so long as the bill is submitted after the 12 mth period. The dates of treatment are not considered - only the billing date. That means that if a woman gets pregnant after the first 3 mths on the policy, and the doc agrees to hold the billing (global billing) until her maternity coverage becomes effective, everything is good with Humana. I thought it sounded strange at the first meeting so I stood up at the official roll out and asked it in front of about 50 other agents/brokers (over a microphone I might add). The same answer was given!!!! I then asked where I could find that policy in writing - they answered that it is not in writing but it is the way Humana has decided to handle those situations. I said that I could not tell any clients/prospects that policy because my policy is "if it's not in writing, it's not true". I then asked if I could call into the Humana service center with the client on the phone and ask the same question and expect the same answer - they said yes. I figure if it's going to be said, let them say it, not me. I have also called into the service center since then (no client on line) and asked it - to their credit, I have always been given the same answer. I think Humana has weak maternity coverage - there are only a few carriers that offer it in CO though. Just curious if any of you have heard about this before - may be something you can use in your neck of the woods. If you are going to the roll out, you may want to ask it yourself. Of course, all states are different so it may be a moot point.