- Pregnancy
- Baby & Toddler
- Parents
- Getting Pregnant
- Baby Names
- Product Reviews
-
Registry
- Community
-
More
Want a personalized experience?
Download the free app
Trying to Get Pregnant
Maternity insurance in Florida
Going to start TTW and we are trying to make sure everything is financially planned ahead of time(type a, hello) you know, just in case. Figuring out what to do for maternity insurance is killing me! I want to make sure that we are covered but I just can't find the right plan. BCBS seems to be the only company in Fl offering a maternity rider and as we are both self-employed, individual insurance is our only option (besides possibly medicaid). BCBS has a choice of a deductible or a copay, but I am just not sure what all this jargon means.
I would love some info from anyone who might have experience with them or any other ideas......
Warning
No formatter is installed for the format bbhtml
This discussion has been closed.
Re: Maternity insurance in Florida
TTC #1 since Feb. 2011/Me 30, DH 37
Unexplained
Nov. 2012-IUI #1-Femara 2.5 mg, Ovidrel=BFN
Jan. 2013-IUI #2-Femara 2.5 mg, Ovidrel, 1 follie=BFN
Feb. 2013-IUI #3-Clomid 50 mg on CD5 only, 2 follies=BFN
IVF#1 (4/13)-19 retrieved, 18 mature, 16 fertilized w/ ICSI=lucky #7 frosties
ET cancelled due to OHSS
FET #1 June 2013/transferred 2=Chemical
FET #2 August 2013/transferred 2=Chemical
FET #3 October 2013=BFN
IVF#2 (2/14)-17 retrieved, 14 mature, 11 fertilized w/ ICSI, 3 blasts, PGS= all 3 abnormal
IVF#3 (5/14)-13 retrieved, 11 mature, 9 fertilized w/ ICSI, 2 blasts, PGS=both abnormal
IVF#4 (8/14)-5-day transfer of 2 embies=BFP! (8/28/14) beta 99
U/S #1 (6 wks, 2 days)=1 bean, U/S#2 (8 weeks, 2 days)=180 HB, U/S #3 (10 weeks)=measuring 10 wks, 2 days
Normal 0 false false false EN-US X-NONE X-NONE MicrosoftInternetExplorer4 /* Style Definitions */ table.MsoNormalTable {mso-style-name:"Table Normal"; mso-tstyle-rowband-size:0; mso-tstyle-colband-size:0; mso-style-noshow:yes; mso-style-priority:99; mso-style-qformat:yes; mso-style-parent:""; mso-padding-alt:0in 5.4pt 0in 5.4pt; mso-para-margin-top:0in; mso-para-margin-right:0in; mso-para-margin-bottom:10.0pt; mso-para-margin-left:0in; line-height:115%; mso-pagination:widow-orphan; font-size:11.0pt; font-family:"Calibri","sans-serif"; mso-ascii-font-family:Calibri; mso-ascii-theme-font:minor-latin; mso-fareast-font-family:"Times New Roman"; mso-fareast-theme-font:minor-fareast; mso-hansi-font-family:Calibri; mso-hansi-theme-font:minor-latin; mso-bidi-font-family:"Times New Roman"; mso-bidi-theme-font:minor-bidi;}
i think i might be able to help - i sell health insurance in california. first, you need to know for the ?deductible? and ?copay? plans what your total out of pocket max/cost would be if something major were to happen [like a pregnancy!!]. because the total out of pocket max/cost difference between the two plans probably isn?t that much and let?s face it, you?re concerned with ?how much it?s really going to cost?, right? Plans with copays are more expensive where high deductible health plans are usually a lot cheaper -- I stress usually cheaper?people have caught on and the rates are increasing. So what you need to ask yourself is, depending on how the out of pocket maximums compare between the two plans [which like I said, will probably be pretty
typically, with insurance plans you have a deductible [$0-$10,000 here in california] and then after you meet your deductible, you pay a specific percentage called coinsurance and this can be anything from 10%-50%. After that you have an out of pocket maximum [from $2500 to $10,000] and this is the point you'll have to reach before you have 100% coverage. Some plans have office visit copays and prescription copays that you would pay up front without having to meet your deductible first. With ?copay? plans like that, you are pretty much always going to be responsible for the copays even if you?ve met your out of pocket maximum. But some other plans, ?deductible plans?, you don?t have copays ? everything is just subject to your deductible, coinsurance and out of pocket maximum.
Definition time!! The deductible is the amount you have to pay out of pocket before the insurance starts paying. If your plan has a $500 deductible, then you pay 100% of the first $500 of charges. After you meet your deductible, you have coinsurance and the out of pocket maximum -- and we?ll use the 80/20 ? $3500 example above ? you pay 20% of the charges and the plan pays the remaining 80% of the charges. When your 20% equals the next $3500, then you have met your out of pocket maximum and you are covered at 100%. IF you had a copay plan, then each office visit you went to or prescription you filled you would just pay a set dollar amount [$10-$???] and usually this copay doesn?t get applied to your deductible or out of pocket max.
I know it can be confusing but I really hope this helps!! If you have questions or need clarification on anything, let me know. I am happy to give any advice I can!!
sorry, didn't finish my though...here we go... [which like i said will probably be pretty dang close.] do you want to pay for the convenience of a copay plan?
::ticker warning::
I have BCBSFL and think that having a copay is the easiest way to budget and know what to expect. A high deductible plan might be ideal to save on monthly premiums but if you were do get pregnant and give birth during the year of coverage with a high deductible, that could be a lot out of pocket---possibly the entire amount for L&D??
I plan on keeping my same plan for 2012 and am due in January so the deductible starts over even though it is obviously the same pregnancy.
I had a miscarriage in 2010 when we had the high deductible/coinsurance nonsense and that cost me way more than it should have
We switched plans for 2011.
As an example, my plan cost me a $50 copay at the first OB appointment and we have a payment plan of around $375/month for 5 months to pay the OB's costs. The hospital will bill us separately after services rendered.
(Those costs are obviously in addition to the monthly premium for insurance coverage)
EDIT: Make sure you secure your coverage NOW for you and your husband. BCBS individual policies have an "expectant father" clause and will not insure your husband while you are expecting. Weird, right? Group policies are different.
First let me say thank you for helping to clarify all of that! Now... for more questions:
OK, so in the long run the BCBS deductible rider ends up being about $400 cheaper than the copay option... but.... the coinsurance after the deductible is met is only 50%.
The copay has a initial visit cost of $35 with a $150 inpatient hospital stay per day up to $750.
The monthly premium for the individual plan with a maternity rider is: the $1500 deductible plan ends up being $152 and the copay choice is $239.
I just don't want to end up spending a crazy amount of money out of pocket and I'm not really sure how the math works out with both of these in the end considering the 50% coinsurance.
Here's the pg where my info came from maybe it makes more sense to you
https://www.ehealthinsurance.com/ehealthinsurance/benefits/ifp/FL/IFP-BCBS-FL-BlueSelectMaternity-11-1-10.pdf?referer=https%3A%2F%2Fwww.ehealthinsurance.com%2Fehi%2Fifp%2Fplan-details_v2%3FplanKey%3D3202%3A96Any thoughts?
Hi, Mrs. Mitty08 - My name is Kate W. and I'm the social media community manager for Blue Cross and Blue Shield of Florida. I saw your post and was wondering if there's anyway I can help. You obviously have done some homework already around finding coverage. I wanted to offer you some direct support from one of my favorite agents, Karen, if that would be helpful. You can send me your contact information at socialmedia@bcbsfl.com and I'll forward it on to Karen. She's located here in our Jax office but she can call you.
The other thing you can do is go to the shopping site at www.bcbsfl.com. Simply look for the "Our Plans" tab at the top of the page. Lastly, we have retail centers called Florida Blue - the nearest one to you is likely our Tampa location. We have nurses, agents and customer service members on staff at each center - so you can speak with an agent directly.
Good luck with everything!
--Kate
I think this is for graceB, the OP. I already have coverage on a group policy and my husband cannot get individual/private coverage until after the baby is born.