insurance ?

Lisa3683 · July 2010

Do you know what your insurance pays for during pregnancy? I'm not sure about mine, so I am thinking about calling. Just curious to see if anyone else is in the same boat as I am or if you are going to wait to get a BFP before finding out.

KCooker · July 2010

I looked into our insurance's pregnancy and IF coverage before we even started ttc.

shanenjesswedding · July 2010

I have insurance through my husband, which pays almost 100% but everyone's is different. I talked to my OBGYN and then talked to my insurance company to find out the exact amounts pretty much so we could start saving. I also had to find out about maternity leave insurance through a different agency since I don't have any benefits through my company. I got Assurant Health and Aflac Insurance to cover the salary loss and help out with extra money for the medical costs. We hopefully will come out ahead. GL!

cantalopes24 · July 2010

When DH switched jobs we were able to choose between 3 options so we chose the one with the best maternity/infertility coverage. We made sure to find out everything it covered before we selected it.

MrsMarriedIn04 · July 2010

I researched it before we were TTC, because I didn't want any surprises when we had insurance. We had to pay all doctors visits until we met our high deductible and then it paid 80% after the deductible until we met our out-of-pocket max. Some insurances cover a lot and others don't. So I suggest researching it before hand. GL!

pinay976 · July 2010

I would check now. There are a lot of insurance plans that don't have any maternity coverage. MH and I found that out when we were shopping for insurance a few months ago. And if you don't have coverage and you wait until you get a BFP, it's considered a "pre-existing condition" and it's even more difficult to get insurance then. (at least thats the case for private insurance, I don't know about insurance that is offered through employers)

Stimpy09 · July 2010

Your post made me curious, so I looked it up:

Prenatal/Postnatal Care (mother): First visit $25, then 100% covered after ded. ($250 deductable).

and not sure if this is different but...
Inpatient Hospital Admissions are 90% covered after deductable.

Specialty Dr. visits: $35 (gyn)

I'm not sure what childbirth is considered as far as our insurance goes... I'd be interested if you find out!

Lisa3683 · July 2010

I tried to look it up on the insurance website, but it doesn't give me any info. I will call to find out!

cantalopes24 · July 2010

pinay976:
I would check now. There are a lot of insurance plans that don't have any maternity coverage. MH and I found that out when we were shopping for insurance a few months ago. And if you don't have coverage and you wait until you get a BFP, it's considered a "pre-existing condition" and it's even more difficult to get insurance then. (at least thats the case for private insurance, I don't know about insurance that is offered through employers)

Group employer insurance can not consider pregnancy a pre-existing condition. And I do believe (but check with your HR) pregnancy is considered a change of life event so if you don't have coverage through your work you can change it once you get KU. But I would call because it might be different company to company if its a life changing event.

jteneback · July 2010

I have a high-deductible plan so I know I'll pay $2,850 a year (for pregnancy or anything else) and then everything in-network is covered at 100%.

I do think it's important to know what your coverage is before you start TTC so that's it's not an unpleasant surprise. If you have 20-30% coinsurance that can really add up if you wind up with a C-section and NICU stay.

iluvmylab · July 2010

Yes, I have looked into this extensively. I wouldn't wait until I got BFP to look into it. We checked before we even started TTC.

atlb · July 2010

cantalopes24:
pinay976:
I would check now. There are a lot of insurance plans that don't have any maternity coverage. MH and I found that out when we were shopping for insurance a few months ago. And if you don't have coverage and you wait until you get a BFP, it's considered a "pre-existing condition" and it's even more difficult to get insurance then. (at least thats the case for private insurance, I don't know about insurance that is offered through employers)

Group employer insurance can not consider pregnancy a pre-existing condition. And I do believe (but check with your HR) pregnancy is considered a change of life event so if you don't have coverage through your work you can change it once you get KU. But I would call because it might be different company to company if its a life changing event.

atlb · July 2010

cantalopes24:

pinay976:
I would check now. There are a lot of insurance plans that don't have any maternity coverage. MH and I found that out when we were shopping for insurance a few months ago. And if you don't have coverage and you wait until you get a BFP, it's considered a "pre-existing condition" and it's even more difficult to get insurance then. (at least thats the case for private insurance, I don't know about insurance that is offered through employers)

Group employer insurance can not consider pregnancy a pre-existing condition. And I do believe (but check with your HR) pregnancy is considered a change of life event so if you don't have coverage through your work you can change it once you get KU. But I would call because it might be different company to company if its a life changing event.

Stupid bump.

I think it varies by state. For me, getting pregnant was not a qualifying status change (or life event, as you refer to it). Giving birth was.

cantalopes24 · July 2010

atlb685:
cantalopes24:

pinay976:
I would check now. There are a lot of insurance plans that don't have any maternity coverage. MH and I found that out when we were shopping for insurance a few months ago. And if you don't have coverage and you wait until you get a BFP, it's considered a "pre-existing condition" and it's even more difficult to get insurance then. (at least thats the case for private insurance, I don't know about insurance that is offered through employers)

Group employer insurance can not consider pregnancy a pre-existing condition. And I do believe (but check with your HR) pregnancy is considered a change of life event so if you don't have coverage through your work you can change it once you get KU. But I would call because it might be different company to company if its a life changing event.

Stupid bump.

I think it varies by state. For me, getting pregnant was not a qualifying status change (or life event, as you refer to it). Giving birth was.

Yeah insurance here calls them "change of life events" I have seen some specifically list pregnancy but not others.

Ricola · July 2010

I wrote an e-mail request to my insurance (I am covered through DH's plan) and got a response within an hour. I like to have things like that in writing to look it up again and again and make sure I understand :-)

I pay the copay of $25 once and the insurance pays 100% of costs after that. Delivery will be $100 for me for up to 10 days in the hospital and the baby will be covered 100%. We have great insurance coverage!

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