If you don't have insurance through an employer

little-peanut

What company is your insurance with?

Does it include maternity?

About how much do you pay a month? (you don't have to answer this one if you don't want to, I was just curious)

DH and I have decided not to get the insurance through his work due to extreme cost, not including maternity, and other reasons.  We at one time had a great insurance plan through Anthem and I am searching for Anthem plans with maternity and they all cost an arm and a leg.  I was just hoping someone on here would have some insight.  Thanks ladies!

allibaba76

It is VERY difficult to find a plan that covers maternity that does not cost an arm and a leg.  We pay somewhere between 400-500 for the three of us (2 adults, one child, with maternity coverage) per month and that is through Medical Mutual.  If you find something better please let me know!  We have been researching different options too. 

 

 

hannah&ben

We did briefly at one point with BCBS... the plan did not include maternity (but that was our choice to cut costs because I had just had a baby - Jack - and knew I wouldn't be needing that any time soon.

Now I'll scare the crap out of you with our premiums... Jack's was $900 per month and the rest of our family (me, DH & DD) was $1100.... that's right $2,000 per month... $24,000 per year!! Woo hoo!!  This did not include prescription coverage.

It's because me, my DD, and Jack all have a heart condition and Jack was in the hospital recovering from heart surgery when we had to do this... $2,000 was a drop in a bucket compared to the CICU bills he was racking up... we HAD to do it so we wouldn't have a lapse in coverage or none of us would ever be able to get health insurance again...

I do remember talking to the agent about what it would cost if we didn't have the heart problems and it would have been something like $1,100 per month for all of us together.

ETA: this was for a 90/10 policy with a $3,000 deductible.  The lower the coverage the cheaper your plan will be.

We have some friends who carry their own health insurance because the dad does contract work... they pay $850 per month for mom + dad + 3 kids.  Their policy  does not include maternity b/c they are done with kids.  Their coverage is 70/30 after copays and their copays are $40 for doc visits.  They do not have prescription coverage.

And we have some other friends (mom + dad + 2 kids) who have some kind of plan where they have a small monthly premium... like $300... but they pay 100% of everything till they hit $8,000 then the policy covers everything else at 100% for the rest of the year.

LOL... I only know so much about our friends business because we all talked about it at a party... lots of my DH's friends are software engineers like he is and they do freelance/contract work because they make tons more than they would in a salary position and can afford their own policies.

Hannah

Traycee1242

We went with Anthem and added a maternity rider.  The total cost per month for me, DH and the maternity rider was $309 a month. We had a $3K deductible and then it covered 100% after that... which was awesome because I needed a c-section and it cost over $40k!

At the time my DH worked for Xerox and Anthem was a much better plan for us than what Xerox offered. He recently switched jobs and we will be going on his insurance... but I was so happy with Anthem. They were awesome.