Post # 1
So… I agree… I’m a dummy and didn’t check my insurance out fully at all when I got it and I just figured “Oh maternity and labor are covered, they are medical after all”. Nope. No maternity care or labor care is provided at all under my coverage. We have been TTC for 2 months (yes I should have checked this before hand) and I’m at 8DPO right now. We BDd every day in the fertile window so we may just have a BFP this month.
And as of last night I realized I’m screwed. I wanted (getting ahead of myself I know) to make a gyno appointment to get everything checked out and because I just knew I would get a BFP but insurance wont cover it!
So I shopped around last night, tried to find a health care plan that includes maternity and I couldn’t find one anywhere. No overpriced insurance, no crappy plan or anything. I found nothing. I found sites that claimed to have the info and would give me quotes from all these insurance companies but when I clicked to view their plans none of them included maternity care.
I’m currently with Blue Cross Blue Shield. Because of my previous medical conditions, that were not previous, all of a sudden I’m supposed to pay $600 a month for their standard insurance already, you would think for $600 a month I would get maternity care but nope.
Now from what I’ve seen they have medicaid that will cover pregnancy, I don’t qualify for basic medicaid because my husband and I make too much money, BUT we would qualify for the maternity care as the income is almost three times as much for maternity medicaid. So that is an option but in case it doesn’t work out or I decide not to go that route (I have convictions against this since we aren’t “poor” but aren’t well off just yet either) I need other options.
So please bees… Tell me you have some information know some companies or something that offers medical for maternity. I’m lost. I can probably get medicaid but I’d really really like to explore other options. I want to leave the medicaid money for the people who genuinely need it, unless I can’t find medical elsewhere.
Post # 3
I wanted to add, it’s important I am insured because I have a medical condition (the reason the insurance went up) that makes pregnancy very risky. I will need to be closely monitored during the entire pregnancy and the delivery may not be so easy because of the medical condition, I would just stop my insurance and pay out of pocket for everything (as I’ve heard that hospitals will work with you on that) but with the complications I will be high risk pregnancy during the whole pregnancy and will likely be spending well over $600 a month in expenses just to keep everything healthy. We have weighed the risks and decided to go ahead and TTC, we want to have another child in about 7 years but due to the medical condition this may be our only chance
Post # 4
@MrsNewBride427: I would go in and talk to an insurance agent. Do NOT tell them that you think you might be pregnant. Just let them know that you and your SO would like to start a family soon and want to make sure that you’re covered.
I have BCBS-Federal and my maternity was covered 100%, the hospital told me most people have to pay about 15% (around $4000 for maternity, not including labor/nursery costs) in our area. There are policies out there, but it does get confusing quickly! Good luck on your search and congrats 🙂
Post # 5
@MrsNewBride427: sounds like you would genuinely need ma Medicaid assistance.
Post # 6
@MrsNewBride427: Have you actually called BCBS and asked them directly about maternity coverage. From everything I know about BCBS, they have one of the best coverages of any insurance company, and I find it very difficult to believe your plan doesn’t include maternity. It’s a pretty standard thing to cover with even the most basic insurance.
Also, do you have insurance through work? If so, I would talk to your HR representative and find out what your options are. Same with your DH’s insurance. His could have coverage that yours doesn’t, and you can switch to his plan.
But I would call them first. No need to panic until after you talk to them.
Post # 7
@ExcitedScaredBee: It’s a pretty standard thing to cover with even the most basic insurance
Not the case, though I wish it was…I am about to leave my job, so my husband and I have been looking for private insurance, and NO basic plans cover maternity. If you’re employed through your job that’s true, but she’s talking private insurance – I’ve spent hours searching and talked to several insurance companies, including BCBS, and many plans have zero maternity coverage. The ones where it’s available as an additional add-on, it costs an extra $275-$400.
OP, you may have to go the Medicaid route if you are currently pregnant, because he other issue with nearly all of these plans is that they do not cover a pregnancy that began before you purchased their insurance plan. It really really sucks. So first things first, wait a bit to see if you are currently pregnant. If you are, I’d apply for Medicaid. If you’re not, call up some insurance companies and inquire about their plans. I know that BCBS does have plans that offer maternity coverage or at the very minimum, plans where it can be added on. So does United Healthcare, that’s who I had insurance through with my job and they covered my maternity care (although I did still end up paying 5k after my 3k deductible and my copay…eek!)
Post # 9
@ExcitedScaredBee: I work for a competitor who is bigger than BCBS so I beg to differ on how good of coverage they have for maternity care. It all depends on what plan it is and not all plans will cover maternity, if a company doesn’t have any females of child bearing ages or no women at all working for them you bet they are not going to take a medical plan that covers maternity.
Post # 10
Wow. So I’m glad I saw this thread. I feel like an idiot now. We have known we would need to buy a private insurance plan (DH is starting his own company and is going to leave his work and I don’t have insurance offered right now either). I had no idea that individual insurance basically never covers maternity. Which, pretty much would mean no matter what I’d have to apply for medicaid.
Not to get political, but that’s total bs. Pregnancy and maternity care are the most basic of services.
Post # 11
When I worked for a very small company three years ago, I had to go find my own private insurance and my employer reimbursed it up to $300. They all stated that maternity was not covered but you can get a separate maternity plan for an additional $350/month BUT you could not be pregnant before signing up for it. IT SUCKS! I really do think they are discouraging people from having babies.
Oh I don’t even want to get started on what a load of poo insurance companies are.
Post # 12
There is maternity insurance out there but most require it be purchased before you’re pregnant. call around and don’t say you may be Prego!
Post # 13
- Wedding: November 2013 - St. Augustine Beach, FL
When I was shopping for individual insurance I quickly found out that any maternity plan was going to cost me at least $250 per month and it wouldn’t cover a pregnancy or delivery until you paid one year’s worth of premiums.
I truly hope you aren’t pregnant if you need special care during your pregnancy because you may not even qualify for Medicaid or it may be share of cost which means money out of pocket before the Medicaid kicks in (and you’re stuck with Medicaid providers/doctors which are hit or miss at best.)
If you get a BFP I would highly recommend speaking to your OB/GYN immediately to see what they suggest. I know women who have worked out deals where they pay the doctor $5000 for an uncomplicated pregnacy (but if your’s is absolutely going to be complicated, you may not be able to work out a deal.) Even with the deal however, they still have to pay the hospital which is going to charge another $5-10,000 for the use of the hospital bed for two days; not to mention consult fees of any other doctors or nurses that see you and/or the baby while you’re in the hospital.
If you do not get a BFP on this cycle, you need to seriously consider the financial ramifications of getting pregnant right now without any kind of insurance. Being destitute and in massive debt for the next 10 years is probably not going to be healthy for your future baby or relationship.
Post # 14
Whaaaaaaaaaaat? I, unfortunately, don’t qualify for insurance with my company, but I’ve looked at their BCBS plan and they cover a really good chunk of maternity costs. :
Post # 15
I would get right on that medicaid if you are in Florida to see what your options are. Florida is one of seven states currently rejecting the medicaid expansion via ACA. I don’t know how that will impact their program. They ( state leg) just passed transferring 3 million state Medicaid patients to private managed care.
Post # 16
Thank you all ladies. As of right now I do have insurance and BCBS wants my insurance to go from 130 a month to 650 a month and that is without maternity coverage. I can call BCBS to see (I’m not insured through an employer since I’m a SAHM) so if I add on insurance it will likely be close to $1000 a month for medical insurance. While I was covered with BCBS I got diagnosed with something and since that point now they are saying it is a pre existing condition, even though I was already insured by them. This is something I’m trying to have worked out as we speak and now I’m seeing it will be even more if I tack on maternity care. My “pre existing condition” isn’t something I would need surgery for, it’s not something I have to be seen every week for, in fact I only have to go in every 6 months unless I’m pregnant.
I will contact BCBS and see what can be done but I doubt I’d be able to pay $1000 a month plus deductibles, co pays and out of pocket pay.
I still have to get my basic insurance figured out and thankfully I don’t have another doctors appointment until September so it gives me time, unless we get a BFP.
Whatever happens we will figure it out, and I’ll take to heart what everyone has said. Thank you all for the tips and advice, I’ll start looking into it now.