My husband is considering starting his own business (and quitting his job, which provides our insurance). He talked to the insurance rep. that his company goes through and she sent us comparables from different insurance companies for private pay insurance--- none of which covered maternity. I've checked different websites, and that seems pretty standard for private pay insurance. We have one beautiful little boy and definitely want more children-- and since we've already had one I have an idea of how much a normal pregnancy and delivery will cost without insurance (thanks to the statements I received from the insurance company). But what about a pregnancy with complications? I guess what I'm asking is what do the insurance companies consider "maternity coverage"? If I'm hospitalized during my pregnancy, is that covered? And I know that with my husband's current insurance the baby is covered for 30 days and we have to add him on to the plan during that time, but what about with private pay insurance? If my baby is born with something wrong, could they possibly deny him/her coverage, leaving us with no way to pay the medical costs to care for a sick child?
I have read that you can get a discount with hospitals (and possibly OBs) by paying before the baby is born, and we would definitely plan our next child so that we were able to do that, I'm just concerned about all of the "what if's" and how private pay insurance handles them. Ofcourse I'll get all of the info I need from an expert, but as of now DH's insurance rep has not returned my email (from Thursday-- hoping she'll get back to me the beginning of this week), and we're really torn up about what to do-- Dh's current company has been struggling to find work for the crews (he's a land surveyor), and we're worried about him not having any PTO left and suddenly losing his paycheck. He knows he could make money working for himself, but it's hard to even THINK about losing our insurance when BOTH of us know we want more children. So any info you could give us from past experiences with this type of situation would really make the waiting easier!