(Closed) Obamacare = no maternity, please help

posted 6 years ago in Wellness
Post # 3
Member
635 posts
Busy bee
  • Wedding: October 2012

“Obamacare” didn’t change anything. The part pertaining to maternity care isn’t even enacted yet. Here’s a news article from Consumer Reports (reputable, nonpartisan) answering a question from a woman who is pregnant: http://news.consumerreports.org/health/2012/05/can-my-insurance-company-refuse-to-add-maternity-coverage-to-my-health-plan-now-that-im-pregnant.html

I don’t have any suggestions for your particular situation besides her waiting until she can find private insurance to cover maternity.

Post # 4
Member
394 posts
Helper bee

Here is a little more info on that specifically

http://news.heartland.org/newspaper-article/maternity-coverage-suffering-under-obamacare

 

And also an excerpt from another one:

 

“One of the biggest benefits for women and families is Obamacare’s move to cover all maternal health care:

Maternity care from the get-go is required by the law as something that health plans must cover. For a long time women in this country, especially in the small and individual health insurance markets, did not get access to maternity care under their health coverage. Now the law requires that women get maternity coverage. So that’s a huge benefit, obviously, to women.”

Post # 5
Member
2825 posts
Sugar bee
  • Wedding: April 2012

Like PP’s have said, Obamacare didn’t affect maternity care… It’s insurance companies trying to save money that aren’t offering it.  The ObamaCare maternity legislation isn’t clear yet, so Insurance companies are trying to get away with as much as they can to save money until the laws are clear.

Check out a few of my posts about no insurance, there is a lot of helpful advice there.

Post # 6
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

What state are you in? ACA didn’t affect anything maternity wise. I know Texas hasn’t offered private maternity riders in years, but hospitals/doctors will generally negotiate with you if you decide to pay cash. There’s also supplemental insurance policies like Aflac to help with costs.

Post # 8
Member
2825 posts
Sugar bee
  • Wedding: April 2012

@Missloveknot:  that is precicely what happened.  And you can keep looking for companies all you want, but unless you are in a state that mandates it already, you won’t find it unless you get group insurance and pay a lot of extra $$.

In my research I found that barring any serious complications it is currently cheaper to pay for prenatal care and delivery out of pocket than paying high premiums and deductibles.

Post # 9
Member
635 posts
Busy bee
  • Wedding: October 2012

@Missloveknot:  The insurance companies are blaming Obama, as is the Heartland Institute link above (it’s an ideologically conservative think tank). Unless you can show actual data that insurance companies dropped private maternity coverage after ACA was passed, I’d probably assume that the insurance companies are trying to pass the buck.

Maternity coverage is expensive to offer because, in general, only women who WANT to get pregnant are going to buy it on the private market. So this means that insurers are likely to have to pay out on it. (Compare this to car insurance where we all get it, but overall accident rates are low.) Private insurers for years have either not offered this or offered it at really high rates. 

Post # 11
Member
2825 posts
Sugar bee
  • Wedding: April 2012

@MidwestBride2012:  I am on your side with this, but I don’t see why it’s taken insurance companies this long to just offer it and raise premiums a tiny bit across the board (and not just for fertile/child bearing aged women) to offset those costs…

I don’t care what people say, Universal Healthcare is the way to go, everyone pays in, everyone gets coverage, everyone is happy.

Post # 12
Member
9142 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

You have four options if you cannot afford private insurance.

1. See if you qualify for Medicaid coverage in your state.  Most pregnant women are covered by Medicaid unless they make too much money.  Doesn’t hurt to file an application.

2. Cut a deal with a doctor and hospital for a flat fee delivery.  Yes this still exists but you have to call around and you have to pay cash up front.  Plus, any time anybody other than your doctor comes into your hospital room you immediately send them out so they can’t bill you.

3. Look into birthing centers.  They are usually way cheaper than the hospital and if you’re having a normal birth these are great options.

4. Look into home delivery.  Again, much cheaper than a hospital birth and a great option for uncomplicated deliveries.  Call up some doulas to get an idea of what their costs are.

Post # 14
Member
2009 posts
Buzzing bee
  • Wedding: November 1999

Thank you to bees in the know.

<3

Post # 15
Member
772 posts
Busy bee
  • Wedding: December 2011

You can do group insurance with a pool as small as two, so I don’t see why your company doesn’t offer that even if they make you pay it 100%.  My dad’s company of two has group, and we priced group for our company of three but two of us are already covered through other plans.

The topic ‘Obamacare = no maternity, please help’ is closed to new replies.

Find Amazing Vendors