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

posted 7 years ago in TTC
Post # 17
Hostess
8146 posts
Bumble Beekeeper
  • Wedding: October 2012

I have CIGNA right now… but I have no idea what they cover!

Post # 18
Member
170 posts
Blushing bee
  • Wedding: October 2009

It sucks but maternity coverage outside a group, employer sponsored plan is tough because the costs are pretty standard (unlike general medical issues that could or could not occur).  The insurance company needs to recoup the cost of a $10,000 uncomplicated pregnancy (and way up from there for a complicated pregnancy or c-section) via waiting periods or super high premiums/deductables.  The best bet is going to be to wait for the changes in 2014.   

Post # 19
Member
13095 posts
Honey Beekeeper
  • Wedding: July 2010

We’ll have Aetna through DH’s work when we TTC and it does cover maternity.  We’ve previously has both BCBS and Cigna through work policies as well and they also covered maternity.

@SadieBee:  I STILL pay a co-pay for my birth control pills.  So the new rules definitely didn’t automatically apply to all current plans.

Post # 20
Member
3176 posts
Sugar bee

Three years ago, I looked into BCBS JUST IN CASE when I was working for a small company who did not carry health insurance for employees but reimbursed up to a certain amount. My individual policy was $250, but they quoted me $350 on top of that for maternity insurance and there was a waiting period as well. I have no clue what it covered. I didn’t go with them because they kept on refusing me over my pre-existing condition. 

Post # 21
Member
1351 posts
Bumble bee
  • Wedding: March 2012

This post prompted me to call, and figure oit what the hell we have! We have Cigna. My first prenatal visit is $35 to establish pregnancy and then all pre/post natal visits are free. We have a $750 deductible per year that will go towards the hospital stay (since I never go to the doctor) and anything after that Cigna pays 100%.

Post # 22
Hostess
8146 posts
Bumble Beekeeper
  • Wedding: October 2012

@Mrs.Elivs:  OOh i have Cigna. I wonder if I have the same coverage!!

Post # 23
Member
1351 posts
Bumble bee
  • Wedding: March 2012

@FreckledFox:  yeah I didn’t know what kind of coverage we had since we signed up for the cheapest plan we could through Darling Husband new employer since I wasn’t working yet. Now I am a federal employee and was thinking of switching to bcbc during Open enrollment but we kind of want to ttc in November  so it’s good to know we already have good coverage

Post # 24
Member
922 posts
Busy bee
  • Wedding: September 2013

I have BCBS Georgia and maternity is fully covered under mine (it’s not even an option to delete).

Post # 25
Member
691 posts
Busy bee
  • Wedding: June 2012

We have BCBS..below is what our plan covers:

The inpatient hospital stay benefits for your delivery will include the semi-common private room rate. Your policy will allow a 48-hour stay for an uncomplicated vaginal delivery and 96 hours for an uncomplicated C-section.

* $300.00 deductible
* 90 % benefit level of allowed amount

Initial Office Visit:
* $20.00 copayment
* 100 % benefit level of allowed amount

Delivery:
* $300.00 deductible
* 90 % benefit level of allowed amount

Lab services billed from a Physician’s office
* $20.00 copayment
* 100 % benefit level of allowed amount

Ultrasounds billed from a Physician’s office
* $20.00 copayment
* 100 % benefit level of allowed amount

Post # 26
Member
2440 posts
Buzzing bee
  • Wedding: March 2012

I have Kaiser through work.  I have $15 copays but all prenatal care is $0, including all Dr. visits, ultrasounds, and lab work.  Baby’s care for the first year will also be no copays and delivery/hospital stay with only be my $15 copay including if I have to have any surgical procedures.

 

Post # 27
Member
58 posts
Worker bee
  • Wedding: October 2010

Your company makes the rules of what they will and will not cover, just FYI.  I work for the biggest health insurance company in the country, and am in sales, and know from looking at thousands of plan designs that what Company A covers, Company B will not. 

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