Originally Answered: Has anyone heard of Prime liberty as an insurance co. or is this a scam?
According to AM Best which rates insurance companies, there is no insurance company doing business in the USA, named Prime Liberty.
But, you applied for quotes online. So, what happens, is your personal information is harvested, and sold as a "lead" to maybe 200 different agents. Prime Liberty is an AGENCY, that bought your lead. Expect a lot of other calls, too.
60/40 is crappy coverage. You need to ask a few things:
1. who is the insurance COMPANY?
2. Is this "insurance", or a "plan" or "benefit" If it's not an INSURANCE policy, they will talk around the word, and say benefits, plan, coverage, without actually calling it INSURANCE.
3. what are the polciy LIMITS? Some cheap health INSURANCE policies, limit coverage to $1,000 a year. Or one doctor visit. Or no emergency. Or $2500 for hospitalization.
If you are 30 and healthy, and not overweight, an insurance policy with no deductible, with maternity will cost you $600 a month - AND, it doesn't cover any pregnancy that begins in the first year.
If you're already pregnant, it's too late to buy maternity coverage.
If you don't want to get scammed, do NOT buy your insurance over the internet. Go to a local, independent agent, who can sit down and explain coverages and pricing, and help you find something that fits your budget.