This is an excellent question that I cannot completely answer. Different policies have different coverage so if you are pregnant or thinking of starting a family, find out what their policies are. Some cover everything without any stipulation, but that is not usually the case. There may be limitations on where you can have the baby or who you can have deliver you. There may be stipulations on when they will cover inductions. They may cover more things, but it may cost more to go out of network vs in network. These are all things you need to know. Most insurance companies have people who can help you answer these questions if you call the general number.