Maternity Coverage

[joshril]

I know the math doesn't work out on maternity coverage, but what carriers offer maternity? Any experiences you might have had would be great. I have a client 20F healthy. Her mom has more money than God, and has pretty much said she wants to buy a policy to emulate the group coverage she is coming off of because she got married. Money is no issue. I have already tried to explain the maternity and copay issues, but she wants her daughter to have both... Suggestions?

 

[CHUMPS FROM OXFORD]

Aetna's HMO has decent coverage and is included in the rate. UHC's rate is low but caps coverage at $4000. Blue Cross has great coverage and is very expensive. Assurant has good coverage and is expensive. Humana has average coverage and is expensive. And the NFL draft is next weekend.

I hope this helps. These are Ohio-based answers but might apply to other states.

 

[somarco]

The options depend on your state. What is available here in GA, or in OH where Chumps lives, may not apply where you are.

 

[aufan]

You know...this is such an interesting dilemna we as agents run into either occasionaly or frequently. I'll admit that before I became a health agent, I felt that maternity coverage was more of a "necessity" than what it really is in fact an "elective". In other words you "choose" to become pregnant or if not chosen it's an "oops".

I think you did good by explaining to her that matertinity coverage is available but at a cost. This is one example where i've know countless of women who will get a job for the sole reason of maternity coverage. As far as I'm concerned, that is a major flaw in group coverage...making the healthy pay for elective events along with paying for the unhealthy in the group.

 

[insuremojo]

What state?

 

[joshril]

TX

 

[Golddoor]

Humana is the only company in Texas that offers maternity coverage!

 

[joshril]

Humana is the only company in Texas that offers maternity coverage!

Assurant does with a $10,000 ded.. LOL

 

[Crabcake Johnny]

Well, don't laugh too much at the $10,000 deduct.

*It's only $8 a month to add it
*Everything is re-priced
*It meet pre-authorization requirements
*A pregnancy with complications can easily go over $10,000

 

[somarco]

Some states, GA in particular, require carriers to cover complications of maternity regardless of whether they offer standard maternity benefits or not.