Maternity Riders - What's the best alternative?

The best maternity rider that I've found is offered by Assurant. Instead of offering a limited benefit with a limited amount of coverage like most companies, Assurant has a different angle on it. The Assurant maternity rider provides coverage for maternity just like any other covered illness or injury but with its own deductible. The rates seem to be extremely reasonable. For a $2500 deductible, the rider is less than $200 per month. The waiting period before coverage is effective is also liberal. Its expensive to have a baby but Assurant makes the bottom line reasonable for those of us having to buy our own insurance.