BCBSNC offers an optional maternity rider to females (policy holder or spouse) ages 18 and over who are NOT pregnant when they apply for coverage unless their most recent creditable coverage was underwritten by BCBSNC and included maternity coverage. If you elect not to purchase the maternity rider when you first apply, you can add at the following times so long as you are not pregnant at the time:

1. During the annual renewal period (November for a January 1 effective date) as long as the policy has been in effect for at least 6 months

2. Within 30 days following marriage (requires copy of marriage certificate)

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