Insurance Question: Maternity Coverage

[MemphisStockBroker]

What you were quoted were standard rates. And you missed allot. You would get bills from others who were involved in the process. i.e. anesthesiologist -- they charge you separately from every one else.

Also the insurance company negotiates a discount that you cant get. Can be 60% of billed charges.

It pays to let the insurance company be your third party

[trey]

i have a quote for an agent, for an indvidual policy.

its about $360 a month with a 12 month waiting periord for maternity benefits 3,000 deductible with 80/20 coinsurance 3000 max out of pocket after deductible $35 copays


my group policy through work is $623.50 with maternity benefits from the begenning. $2500 deductible, 80/20 coinsurance, 10k max out of pocket including deducible. $25 copays

360/month x12months =$4320, IF wife gets pregnant on 13th month then you got 9 more months of Premiums so 360 x 9= $3240 + $3,000 Deductible + $3,000 Max OOP = $13,560 just in Premiums, Deductible and Coinsurance/max out of pocket... that's if your wife gets pregnant on the 13th month, what if it takes another year to get her pregnant or 2 years???? Oh yea guess what if she has complications of pregnancy, all those dollas are wasted because her core health policy handles ANY complications of pregnancy! You can't compare everybody's child birth experiences because of the policy design, some policies have max out of pockets and some don't...Group plans are different from individual plans! Even if you don't have maternity coverage, you will still get PPO network pricing if you use a network provider! Maternity Riders are only used on well born vaginal delivered babies! Get an individual policy with a $5,000 deductible and get a Hospital confinement policy with $1,000/day pay out, if your wife is in ICU, then the hospital confinement policy will pay $2,000/day! If your wife has complications of pregnancy, then you got an Hospital confinement policy that will pay you, you can use that policy to pay your deductible! If you wife has a well born vaginal delivery, then set it up on a payment plan with hospital or offer cash!... You may offer $5,000 cash and hospital may take it! Either way your covered!

[trey]

I don't know what Quotes he gave you but here you go!





You need some help, let me know... Trey Meacham

[wingmaster_870]

We had a little one two weeks ago and got our hospital bill in last week (this was before our insurance paid anything). We went in a day early and stayed a day late and it was right at $15,200 for both mom and baby.