A sampling of pregnancy-related coverage available from insurers:

Aetna Inc.

Moms-to-Babies Maternity Management Program

Incentives: Prepaid phone card and refrigerator magnet detailing signs of preterm labor. High-risk mothers who stay with program are provided a baby bib and an ABCs of baby care card.

• Survey identifies risks that could lead to an unhealthy pregnancy.

• Provides high-risk mothers with calls from nurses to monitor care and ensure she takes appropriate steps.

• Provides access to nurse helpline, Women's Health Web site and literature about pregnancy and infant care.

• Provides nurse outreach to physicians as needed.

CIGNA Healthcare

Healthy Pregnancies-Healthy Babies

Incentives: $125 to $250 cash, depending on employer's program.

• Conducts survey to identify high-risk mothers.

• Contacts pregnant women periodically to help identify risk factors.

• Provides 24-Hour Health Information Line, which offers live nurses or recorded audio advice on 1,000 pregnancy-related topics.

Blue Cross of California

Baby Connection

Incentives: n/a

• Prescreens to help identify pregnancy risk factors.

• Provides health coaches to answer pregnancy-related questions and deal with medical conditions that may arise.

• Provides information on common pregnancy symptoms, warning signs for unhealthy pregnancies, diet and exercise, and tips for handling discomfort.

• Provides prenatal care checklist to monitor care; a booklet to record family history; a journal to record symptoms; and workbooks to organize prenatal care, goals and birthing plans.

Blue Cross & Blue Shield of Minnesota

Healthy Start

Incentive: $50 gift certificate

• Screens mothers who may be at risk for complications during pregnancy.

• Provides nurses and telephone support for at-risk pregnancies.

• Provides pregnancy guidebook and other educational resources.

United Healthcare

Healthy Pregnancy Program

Incentives: n/a

• Provides information on identifying risk factors and a phone survey to identify high-risk pregnancies and special needs.

• Provides personalized support.

• Provides a 24-hour hotline to speak with qualified nurses.