Maternity Coverage

[Macdaddy]

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.

BRocko,

Will the CHPplus program work along side a health plan, or does it replace it?

We are looking at the Assurant Maternity plan. I just don't have enough information on what it will cover and what it won't, so I am calling them on Monday.

 

[MHart]

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.

Birth of a child is 6,000 to 8,000 dollars why would pay 10 dollars a month for a 10K deductible the pregnancy will not cost that much.

Get an HSA plan if you get pregnant plan for it and self fund the pregnancy or look at after they get pregnant get a discount maternity card from AHCO. Pregnancy Health Insurance | Maternity Card.

 

[BKrocko]

BRocko,

Will the CHPplus program work along side a health plan, or does it replace it?

We are looking at the Assurant Maternity plan. I just don't have enough information on what it will cover and what it won't, so I am calling them on Monday.

I should have stated that this program is great for children and pregnant mothers. An adult female would not enter into the program ahead of that time. The things that the program covers are equivalent to the best large group plans available. The cost is about $25 per child per year! Co-pays are about $5 per visit.

No - they cannot have other health insurance while on the program. It's kind of weird but they require the applicant to discontinue any other existing insurance to apply. A letter of intent to discontinue their current plan should work as well.

It sounds risky (discontinuing current health plan prior to new policy issue) and I would never advise anyone to do such a thing outside of this program. I called them and inquired about this policy, and they said that if anything should happen while waiting for CHPp policy issue, they would be covered from the date on the app upon acceptance into the program. You would not apply with them without knowing ahead of time that you would be accepted. It seems easy to reach a representative and find out if the applicant would be accepted into the program. Obviously, that internal policy was created by someone who doesn't have a clue about the health industry - go figure.

They don't really even check to see if your listed expenses are real for qualifying purposes. If you list x amount for overhead business expenses, they just accept it - no documentation required outside of showing total income for the month. A family of five can make about 48K/yr and still qualify. There are other rules that apply for qualified acceptance, like not being insured by a group plan within 3 mths of applying (unless you lost the group plan through no fault of your own) but you can read up on all of that yourself. The pregnant mother counts as two. If you run into anyone who is already pregnant, this program or the state program are their only choices.

The real downside with suggesting this program to someone is that they don't pay squat to the agent! nada, nothing. F'ing bums! If we reffer anyone to the program, it is due to the kindness of our hearts. The same thing holds true with the state program in CO - only get a one time $25 referral fee, and it seems like you need to call and bug them 2 or 3 months later to even get that.

 

[BKrocko]

Birth of a child is 6,000 to 8,000 dollars why would pay 10 dollars a month for a 10K deductible the pregnancy will not cost that much.

Get an HSA plan if you get pregnant plan for it and self fund the pregnancy or look at after they get pregnant get a discount maternity card from AHCO. Pregnancy Health Insurance | Maternity Card.

Because if there are prenatal complications or complications at birth, the max you will risk is 10K. You also get the network reprice - so about 40% off of the 6 to 8K normal cost of having the birth.

As an example, one of our forum members experienced prenatal complications - I don't know the tech term for the condition, but it was "bubbles on the baby's brain". They had to go in for testing etc. every week for 9 - 15 weeks at approx. $1500 per week - all of this prior to the normal delivery costs. The HSA would not have been much good. I don't think a discount maternity card would have been much help either.

 

[somarco]

Maternity card is junk. If they can qualify, the $10k SIR on a Time HSA is the way to go. It isn't a bad deal at the $5k level.

 

[SC Local LAH Agent]

HSA
Also I had a client once who called around to 6 different hospitals to get the best rate for his wifes delivery, he was paying cash and didn't want maternity coverage. The difference in price was over a range of 3k!!

 

[mswebb06]

Good morning all, I thought I would post this before we head off to church. I sat down with a very nice couple this week, he is 29 and she is 28. They are searching for an 80/20 plan, they are going to start planning for a family in the next 18-24 months so the maternity coverage could make or break this deal. Who would everyone suggest for the best maternity coverage? They want as minimum of out of pocket expenses for maternity that is availiable. Who to go with? They currently fell for the Mega/Cornerstone/NASE scam.

 

[Crabcake Johnny]

what state

 

[somarco]

Golden Rule/UHC has one of the best in GA. May be different in your state.

 

[mswebb06]

what state

we are in Mississippi