Medical insurance that pays for more than just basic hospital coverage. In addition to hospital room charges, it will pay for drugs used, bandages, X-rays, physician fees, and other charges that are incurred while in the hospital.
Most major medical insurance plans do cover midwife care if you desire a home birth experience.
The California Major Medical Insurance Plan (MRMIP) first became operational in 1991 and provides health insurance for California residents who are not eligible for traditional individual health plans.
The company's target market is people who don't have access to major medical insurance.
This is not a major medical insurance plan.
Because major medical insurance is for emergencies only, and because most people who buy it simply want a minimum amount of coverage, the insurance company makes its money by keeping deductibles high.