Health Insurance and deductible… probably stupid question!

posted 3 years ago in Pregnancy
Post # 3
Member
3119 posts
Sugar bee
  • Wedding: August 2012

Not a dumb question at all. I had the same one. It may or may not, depending on your insurance. Give your insurance company a call or email them and ask them. They may ask you for the code for the test (which you can get from your doctor’s office) in order to give you that answer. Sometimes, if insurance doesn’t cover something and you opt to have it done anyway, it wouldn’t go towards your deductible. Sometimes it would…just depends on the company and policy. 

Post # 4
Member
1654 posts
Bumble bee
  • Wedding: January 2012

If maternity is not covered then no, it would not go toward your deductible.  However, if anything happens during pregnancy or labor (god forbid) that can be covered (hemorrage, internal bleeding, broken bones etc.) that stuff is covered and would go toward your deductible.  Same for the baby, as soon as the baby is born (as long as you’ve done the proper paperwork) the baby is then covered so if they need NICU or anything that would go toward your deductible.

Post # 5
Member
7281 posts
Busy Beekeeper
  • Wedding: October 2011 - Bed & Breakfast

You are going to have to call your insurance company and ask them because it varies. For my insurance, if they do not cover the item/procedure and we choose to pay for it anyway, the amount that we pay does not count toward our deductible. So, for example, we need fertility treatments in order to get pregnant. Our insurance does not cover fertility treatments. So none of the money we pay out of pocket for fertility treatments will count towards our health insurance deductible.

Post # 6
Member
11740 posts
Sugar Beekeeper
  • Wedding: November 1999

Like PPs said, it varies based on plans.  Call the insurance company and ask them specifically.  You can ask your doctor for the billing code so they can look it up for sure!

Post # 7
Member
9533 posts
Buzzing Beekeeper
  • Wedding: August 2013

Unfortunately, I don’t think that it does, but I’m not completely sure about that. But you should be able to use HSA/FSA money! Also, many labs have a discount if you’re paying out of pocket but I’m not familiar with Sequenom’s policy. There may also be a financial assistance program through your hospital or through Sequenom if you’re low income.

Also, just my little spiel, remember that NIPS (non-invasive prenatal screening like MaterniT21) is a screening test. Meaning that it increases or decreases risks but it doesn’t make or rule out a diagnosis. It’s a really good screening tool. But it’s not diagnostic.

Post # 9
Member
3119 posts
Sugar bee
  • Wedding: August 2012

@tampalove35:  Yes, the deductible is the deductible and does not vary or need to be met more than once based on type of service (as long as what you are paying counts towards that service). It is one lump sum. 

Insurance can be really tricky. I’m in the field (although not HC insurance field) and still get turned around pretty frequently. 

Leave a comment


Sent weekly. You may unsubscribe at any time.

Find Amazing Vendors