Assurant Maternity

I will share my recent experience with negotiated rates. Went to the hospital recently to have a kidney stone removed, at pre admission they told me I owed 1200 on my deductible and co insurance and how would I like to pay. I asked if I could pay installments, she said if I paid cash now she could reduce the payment to 800. I countered with an offer of 600, like a car salesman she said she needed to run it by her supervisor, came back and said ok. My son in law did the same thing when they had their child last year. In addition, you get credit from the insurance company for the entire amount. Negotiations work in my area, even with coverage.
 
I have had hospital bills reduced by 50%, lab work reduced by 90%, and RX very little breaks depending on the RX.

Explaining negotiated rates to people on the Internet is very difficult, and you generally do not want to use the term "discount" it will degrade the value of your plan when the discount plan hawks call your lead.

I had two kids on non maternity and paid around $5000 to $6000 - but if I was on Medicaid I would have paid $0.

Why buy Assurant with maternity when you can get Medicaid for free? Just tell them Obama sent you and everything will be free.
 
...Explaining negotiated rates to people on the Internet is very difficult, and you generally do not want to use the term "discount" it will degrade the value of your plan when the discount plan hawks call your lead.

Very true. The word discount is a poor choice of words. I do say network re-pricing. Is true, sounds good and makes them feel part of something.
 
Most carriers have per diems negotiated on things like L&D including non-complicated C-sections. If you are using par providers, they are obligated to charge you the negotiated rate . . . no more, no less.

Negotiation works if you have cash but lack coverage. But with coverage, even a plan like Time's, I fail to see the reason for negotiating.


Not all hospitals negotiate down to a per diem rate with carriers. I have had several clients work out arrangements with hospitals in West Texas that offered them a flat fee (in the neigborhood of $4000) for all pre-natal services and L&D. (I would venture to say that most hospitals in Dallas, Houston, Atlanta, etc. are using a per diem rate with most carriers however)

TXINSURANCE is right though... the people we talk to on an average day looking for maternity coverage are either already pregnant and/or would qualify for Medicaid.
 
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