Most insurance companies will run away from you if you try to apply while you're pregnant. They consider being pregnant a pre-existing condition. MaternityCard is a health care discount program. MaternityCard claims that they'll be able to negotiate a lower payment for you. Here's what MaternityCard claims they'll be able to negotiate lower payments for: Doctor Visits, Hospital Stays, Lab Work, Sonograms, 24 Hour Counseling ,24 Hour Nurse Hotline, Anesthesiologist, Pre Natal Vitamins, Newborn Tests and checkups Immunizations, Prescription Coverage, Fertility Treatment/Therapy.