Maternity Coverage

[Crabcake Johnny]

Which is a narrow list. For example, my wife contracted Fifth's disease which would not be covered. Also, a premie birth is not covered either. My wife got too much potosin and her lungs filled with water with major complications while in labor. Not covered. For $8 with Assurant there's nothing to think about. Unless someone can't swing the $8.

 

[Crabcake Johnny]

On top of that Somarco - you more than anyone on this board with your level of experience knows the huge difference between having coverage and not having any. Just pre-authorization is a nightmare if you have nothing. You have to work something out with your provider and the hospital.

Also, would you agree that just for the re-pricing on all pre-natal visits and the birth it's worth the $8?

 

[J.R.]

Which is a narrow list. For example, my wife contracted Fifth's disease which would not be covered. Also, a premie birth is not covered either. My wife got too much potosin and her lungs filled with water with major complications while in labor. Not covered. For $8 with Assurant there's nothing to think about. Unless someone can't swing the $8.

I offer my sympathy. I had fifth's disease about 20ish years ago and it was horrible. Fortunately, once somebody gets that virus the likelihood of contracting the disease again becomes minimal.

Where does the extra $8 come from?

 

[Crabcake Johnny]

It's $8 flat to add a $10,000 maternity deductible to Assurant. And never in a million years would I ever recommend to a client that they go w/o maternity coverage if they plan on getting pregnant. Both of my neices are RN's and both work in NICU's.

 

[J.R.]

It's $8 flat to add a $10,000 maternity deductible to Assurant. And never in a million years would I ever recommend to a client that they go w/o maternity coverage if they plan on getting pregnant. Both of my neices are RN's and both work in NICU's.

Gotcha. That is a big piece of pie to bite off though for a lot of people. Hell, getting people over $2500 is a bit delicate.

 

[Crabcake Johnny]

Well we're talking about states where other providers either don't offer any maternity or a very limited maternity benefit and Assurant only offers the $10,000 deductible option. Sometimes the choice will be Assurant's $10,000 options or nothing.

Nothing:

*Nothing is re-priced
*It doesn't meet pre-auth requirements so payment will be due at the time of service
*You'll have to do some wheeling and dealing with the hospital
*If anything major happens you're screwed. I believe Scott's bill for his twins went over $100,000

$10,000 Assurant deductible

*Everything is re-priced. Just the 40% average discount makes it worth it over having nothing
*It meets pre-auth requirements which means you don't owe anything at the time of service. It has to run through the network for re-pricing first.
*No wheeling and dealing with anyone
*In a major event you're fully covered

The choices are small. You have most companies offering nothing. You have companies like GR capping it during the 1st year and offering only $4,000 in max coverage in the second (what's the point - major event? screwed) sometimes it is what it is.

 

[K-Dub]

Which is a narrow list. For example, my wife contracted Fifth's disease which would not be covered. Also, a premie birth is not covered either. My wife got too much potosin and her lungs filled with water with major complications while in labor. Not covered. For $8 with Assurant there's nothing to think about. Unless someone can't swing the $8.

I don't know John, that $8 is a couple of Latte's every month...you know how tough it is for a 21 year old female to decide between the two?? Hopefully she has a good agent!

 

[Crabcake Johnny]

Lol. At least in MD Assurant offers many different maternity deductibles. But guaranteed if any of my clients tells me they might or are planning on getting pregnant in the future, after fully explaining how it works they all choose something. I've sold a fair amount of $10,000 maternity deductibles after going over what it could cost for complications. Especially a premature birth which is not a covered complication on any insurance policy w/o maternity coverage.

 

[djs]

Wow, and people say health insurance isn't complicated I'm going to have to break out some policies now and see what is covered for complications from pregnancies, what isn't. I'm not sure what it means to say complications from pregnancy is covered (as in California, I believe), but complicatons that cause premature birth aren't. There is some subtle line here that I am missing.

My granddaughter just spent 75 days in the NICU, due to premature birth. No complications, no problems, just came out early. My daughter was in the hospital for 10 days due to pre-eclampsia (don't take points off for spelling), which is the complication that lead to the premature birth.

Now, my daughter was covered for all of this. But I've been wondering if this would be covered as a 'complication', or if it is simply a premature birth, and therefore not covered without maternity coverage????

Dan

P.S. California has a great state plan, that you couldn't afford to buy on your own, but based on your income, it starts around $500 for the entire pregnancy. You just have to sign up in the first 30 weeks. If you make to much money (i.e., probably covered under group anyway), then you don't qualify.

 

[CHUMPS FROM OXFORD]

The $5,000 Ded. is only $40 per month (est.) Not a bad deal either.