Post # 1
Can someone please explain how your health insurance maternity coverage works? I was under the impression after speaking with the billing department at my OB’s that the maternity coverage was separate from the deductible meaning that it didn’t have to be met in order for the coverage to go into effect.
I just called my insurance to verify, and was told that the deductible for next year would have to met in order for it to go into effect. It makes maternity coverage pointless if that is the case, as our insurance covers 90% in-network after the deductible is met. Is this the case for your insurance?
Post # 3
Some health insurance has maternity coverage incorporated in, meaning it’s paid exactly like any other covered medical payments. Other insurance companies actually add what is called a “maternity rider” meaning that maternity coverage is separate from regular coverage and may have different requiremens (deductibles, payments, etc…). Fwiw, I would go off of what your insurance company says, not the OB’s billing department.
Post # 4
I do not believe mine works the same way yours does. Everything is out of pocket (copay etc) until the deductible is met. Regardless of pregnancy or not.
I would trust what your insurance is saying. if you’re unsure I would ask your HR and talk with the individual directly responsible for your work’s plan.
Post # 5
Thank you for your replies, ladies. I did send an email to HR to ask about the maternity coverage. I’m not sure how much it will change things, but starting next year our BCBS PPO will be changing to a BCBS POS (no choice for us). Our family deductible is 3k, which will easily be used up for the birth of our little man lol.
I will indeed go off of what HR and our health insurance says. I just wish it wasn’t so confusing.