Best maternity insurance?
I was wondering what the best health insurance out there for maternity and child birth is? Right now I have pretty basic health insurance, as I am very healthy and don’t need to go to the doctor often, but once I get pregnant (we’re going to try in the next year or so) I plan on switching my insurance so that I’m paying the minimum out of pocket for all (or most of) those doctor’s visits and labs, etc. What is the best provider/what type of coverage should I be looking for? How much did it cost YOU to have a baby (the actual medical bills) and how much should I expect to pay each month for my premium?
Answer
We have Blue Cross Blue Sheild. My first pregnancy cost $387,000.00 because I was in the hospital for 99 days due to complicattons. It only cost us a $50.00 copay, out of pocket, and that’s only because I requested a private room.
Copays for sonograms and OB visits were $15.00. Scripts if needed are $7.00, $15.00, and $30.00 for medicine that is not generic, which is very rare.
Also, both of my girls are covered until age 18 will all doctor visits, no copays.
We pay $240 a month, but my husband gets it through his employer. I’m sure its more if you sign up for a plan individually.
They are the most wonderful plan when it comes to pregnancy. I am extremely high risk and have had 2 pregnancies under this plan, and 2 under another, and this one is in a class of its own.
Good luck!
Source(s):
Wife of my handsome Army Vet, and Mommy of two gorgeous little girls and two [B,G] angel babies.
What is the best health insurance company to go through for maternity insurance.?
What is the best maternity health insurance company to go to in Tennessee. Me and my hubby want to start having a family and need to get some insurance.
Answer
check out this site.
www.mostchoice.com/affordable-health-ins…
Maternity Health Insurance?
This is probably a weird place to ask this, but having trouble finding an answer online. I have individual health insurance, and my plan will not cover a pregnancy if conception occurs before 6 months after I add the maternity coverage. I am not currently pregnant, however I would like to begin trying before 6 months from now. Does anyone know of a health care plan that you can add maternity coverage to, and not have a waiting period for conception? For instance, if I opted for extra coverage in October and became pregnant in Dec., could I be covered?
Answer
A lot of Insurances consider a pregnancy a ‘pre existing condition’ and will not cover you if you get pregnant within the first year of getting the Insurance Policy.
I suggest you look into several different policies.
We have Blue Cross PPO and I changed my plan in July and got pregnant in October, it was covered. Pregnancy is automatically covered in my plan, I didn’t have to ‘add’ Pregnancy; it’s part of Blue Cross coverage. Just make sure you have the Insurance for a full 30 days before you become pregnant.
Maybe you should switch to Blue Cross PPO or HMO.
What is the best company for Maternity Health insurance?
I’m not looking to go on medicaid, I don’t want to use taxpayers money if I can afford a reasonable individual health insurance plan. I am very early on in pregnancy and would like to know if anyone knows of a good plan with reasonable rates. I would appreciate it if you had details (plan names). We can afford a deductible of around $4000 or less.
Answer
You may want to try a website that compares multiple companies at once to get you the best price & maternity coverage. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Ref…
Take care,
Casey
What are my best options for self-employed health insurance with maternity in Illinois?
I am leaving a well paid corporate job with great benefits to work for myself. I was recently married and my wife wants to have children soon. She does not have benefits through her job so I need to ensure we are covered well. What are some great options for affordable health coverage in Illinois that includes maternity and what’s the time frame before maternity coverage kicks in?
Answer
Maternity is very expensive on an individual policy. The wait is usually 1 year, meaning the pregnancy can’t begin until after a year has elapsed. Maternity is about $350 to $450 extra a month. But it is very worth it if there are any complications.
Probably BCBS is your best bet.
You can get a quote by going to www.bcbsil.com, just enter your zip and go from there.
You might consider a high deductible HSA plan too, but you would still need to add maternity to that plan.