Bees TTC in the United States — Who is your insurance provider?

posted 3 years ago in TTC
Post # 4
Member
464 posts
Helper bee
  • Wedding: October 2011

We don’t get insurance through work, so we pay privately. I did a ton of research and ended up choosing a Kaiser Permanente plan. It’s quite expensive monthly but it’s 0 deductible and a low copay. I used ehealthinsurance.com to do my research and it was really helpful. I would defintely think you could find something more affordable if you go a private route. Good luck!

Post # 6
Member
11668 posts
Sugar Beekeeper
  • Wedding: November 1999

I have bcbs through work and it covers maternity after the deductible. My premium and half my deductible are covered by my employer.

Post # 7
Member
3360 posts
Sugar bee
  • Wedding: December 2011

I’m not sure when you’re planning to start TTC, but just FYI – if it’s after this year, insurance plans will be required to cover maternity and newborn care starting Jan. 1, 2014.  So, at that point, there will be no more maternity riders, because that is one of the required categories of care going into effect with this next big wave from the Affordable Care Act.

Post # 8
Member
2527 posts
Sugar bee
  • Wedding: December 2011

i have kaiser through my employer. i have a $15 copay for appts but no copay for prenatal appts once i’m pregnant. the baby’s appts are free for the first 23 months. L&D is a $300 copay and they pay the rest. also, no deductible.

Post # 9
Member
884 posts
Busy bee
  • Wedding: February 2012

I also have Kaiser through my employer. Kaiser is a pretty cheap option if you get it through an employer and doing mostly just preventative care. It’s huge in California where I and the previous Bees who posted seem to be from. Unfortunately, I don’t think it is offered nationwide.

Post # 11
Member
6644 posts
Bee Keeper
  • Wedding: June 2011

My employer who happens to be also the the biggest health insurance co in the US and no its not BCBS, the are 2nd behind my company

Post # 13
Member
6644 posts
Bee Keeper
  • Wedding: June 2011

@MrsEdamame:  Honestly even us in the insurance business don’t know, the rules keep changing.  Agh it is maddening to keep everything straight.  Gov keeps changing the rules on whats what.  I woul truely wait until Jan 1 hopefully they will have everything straightened around by then. 

Post # 14
Member
3360 posts
Sugar bee
  • Wedding: December 2011

@MrsEdamame:  I’m pretty sure this will be all plans, not just new ones, but I’m not positive. For example, last summer the birth control coverage part went into effect.  On my existing plan, starting last August, my pills were covered.  This wasn’t just for new plans, but all plans.

My understanding is that maternity and newborn care are one of the essential benefits categories that cannot be excluded from health plans anymore – you also won’t have a waiting period at that point (which is why the current ones seem dumb to me – obviously it will go away in 6 months, so why still quote the old timelines?).

This page provides a good explanation of the changes:

http://transform.childbirthconnection.org/progress/ppacamaternity/

Post # 15
Member
4587 posts
Honey bee
  • Wedding: October 2011

We have Harvard Pilgrim PPO and all my prenatal appointments and delivery were completely covered. I got billed for some labwork and whatnot but it wasn’t too bad.

Post # 16
Member
1710 posts
Bumble bee
  • Wedding: March 2013

Aetna. 2500 deductible and office visits are a one time fee of $20. bloodwork is covered 100 percent and ultrasounds are $20 deductible.

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