Maternity Coverage
- Thread starter joshril
- Start date
N
nate124
Guest
World offers first dollar coverage for maternity in Michigan.... but it's rediculously expensive. The amount of coverage you receive is based on the year that the pregnancy ends. So if you take the coverage at the max available, and get pregnant right away and have the baby in the first year you will receive $2,000 towards that pregnancy. 2nd year is $3,000. 3rd+ is $4,000. With World, you can do a similar thing to the Assurant $10,000 ded, and get the least amount of coverage. That way you get the negotiated rates just like with Assurant.
It doesn't make sense to get the max coverage with them though... if you do the math, it's better to put aside X amount of dollars per month.... so I only really only recommend the min amount.
It doesn't make sense to get the max coverage with them though... if you do the math, it's better to put aside X amount of dollars per month.... so I only really only recommend the min amount.
- 7,790
Geez....when I was in the Army KP meant Kitchen Police!
John - Can you explain this? Are you saying NICU is never covered? Or just not covered under maternity? I know that at least in California, newborns are automatically eligible for coverage, but I'm not sure what all the rules are around this. I do know you have to get the paperwork in pretty quickly.
Dan
- 14,808
That's a good point and the wrong analogy for me to use - newborns are instantly covered under a policy. It's anything prenatal and the actual birth that won't be covered if you don't have maternity. I'd imagine that would be an interesting billing situation for premature babies since the insurance company would have to distinguish costs for the newborns and costs related to the birth.
I'd say that having a baby without maternity is much like skydiving without a reserve chute. You'll probably land fine, but....
I'd say that having a baby without maternity is much like skydiving without a reserve chute. You'll probably land fine, but....
M
Macdaddy
Guest
Got a couple I am working with in VA that have one 10 month old son and looking for maternity coverage for the next one. Trouble is I don't have many options. UHC and Humana will not do Maternity in VA. Assurant will (it appears) with a maternity deductible.
Also wife had an emergency C-section with baby #1 which pretty much requires that she have a planned C-section with baby #2. I am not sure if and how this changes things.
I am not contracted with Aetna, so I don't know if they would be any help...
Thoughts?
Also wife had an emergency C-section with baby #1 which pretty much requires that she have a planned C-section with baby #2. I am not sure if and how this changes things.
I am not contracted with Aetna, so I don't know if they would be any help...
Thoughts?
- 10,276
"which pretty much requires that she have a planned C-section with baby #2."
Ouch. That hurts almost as much as the Bengals defense.
Ouch. That hurts almost as much as the Bengals defense.
- 3,864
I don't think your client is being realistic - babies cost money, I hate to break it to them. If you can get them a plan and at least get NEGO rates - go for it.
If there are any HMO's left in VA, that might work but all the VA carriers we have avoid maternity big time, my guess is due to some state reg's.
I am paying CASH for a child (with my H S A of course) and it is only around $6000 doctor, hospital , the whole deal - this is child #2... vaginal is likely ... but even C section was only $2k more.
The "maternity" insurance might be more than that...
I guess the theory is poor people have kids for free on Medicaid and if you can't qualify they assume you can make payments on the $6k for a few years after birth??? I don't know maternity is rough on IFP all around, primarily because of sick babies more than the actual maternity. Only CA does a good job with affordable IFP maternity in my opinion.
If there are any HMO's left in VA, that might work but all the VA carriers we have avoid maternity big time, my guess is due to some state reg's.
I am paying CASH for a child (with my H S A of course) and it is only around $6000 doctor, hospital , the whole deal - this is child #2... vaginal is likely ... but even C section was only $2k more.
The "maternity" insurance might be more than that...
I guess the theory is poor people have kids for free on Medicaid and if you can't qualify they assume you can make payments on the $6k for a few years after birth??? I don't know maternity is rough on IFP all around, primarily because of sick babies more than the actual maternity. Only CA does a good job with affordable IFP maternity in my opinion.
- 314
Might want to look at the CHPplus program. Childrens Health Plan Plus. If the income level fits (very liberal and only need to show it once/year - best time is to apply after a slow $ month), they can have that baby for darn near free. With gov programs like this available, I don't understand why there are uninsured in this country.
The assurant Max plan using the 10K maternity ded. is only about $10/month more and gives them the network discount.
The assurant Max plan using the 10K maternity ded. is only about $10/month more and gives them the network discount.
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