(Closed) Private insurance doesn’t cover maternity?!

posted 6 years ago in Wellness
Post # 3
Member
1280 posts
Bumble bee
  • Wedding: January 2012

Wow that really sucks…I didn’t know that about insurances…did you shop around for insurances?  what am I saying of course you did….sorry…I would check into getting a private insurance that would cover preganancy….I found this website which could possibly help you out….

http://www.americanpregnancy.org/planningandpreparing/affordablehealthcare.html

 

Good Luck to to you!

Post # 5
Member
1568 posts
Bumble bee
  • Wedding: September 2012

@o0olibelulao0o:  Why doesn’t your hubby just get a “group” policy for his employees. His group can be a group of 1, or 2 if he wants to be on it. Or are there other people he would have to offer it to as well?

Post # 6
Member
3314 posts
Sugar bee
  • Wedding: October 2010

Ugh.  I know I had to pay more for that coverage before I was able to get onto work insurance, but to not even have it available?  That just plain sucks and isn’t fair.

Post # 7
Member
5075 posts
Bee Keeper
  • Wedding: October 2012

Most of the time you have to purchase a very expensive maternity rider that has a 9 month waiting period (so you can’t purchase it and use it when you know you’re already pregnant).  You have to get it as part of the original package.

 

Post # 8
Member
5296 posts
Bee Keeper
  • Wedding: January 1993

@GroovyHippieChick:  ^^^ yup, that. My parents (and lots of friends/family) are farmers. Farmers=self-emplyed. My parents had to pay out of pocket for all three/four kids (she was still covered by her insurance when I was born). And all of us were c-sections too!

If you don’t pay out of pocket, a lot of them go for the maternity rider, which as mentioned, has a 9-month waiting period.

Post # 9
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

Yeah, Texas hates women apparently, it’s becoming a theme lately. :/ A lot of times you just have to pay out of pocket. Look into Aflac to help supplement costs once the baby is born.

If your husband does employ multiple people, it could be beneficial to look into offering a group plan. I work at a small business (15 people) and we’re teamed up with other small businesses in our same line of work in order to create a pool of employees for a larger group plan which includes maternity. I’m not entirely sure how it was set up at first, I wasn’t around for that. But something worth talking to an insurance broker about possibly? One of the businesses on our plan is a group of 4 people, so it can be done with small amounts of employees AND it brings the cost down since more people are on the plan.

Post # 12
Member
11325 posts
Sugar Beekeeper
  • Wedding: February 2011

Yea unfortunately this is common… and sucks. When I left school and was trying to get on private insurance I had the worst time. My job doesn’t offer insurance but its a good job so I didn’t know what to do. I actually called someone from the state insurance agency for advice and the best he coudl tell me was: Get a new job that offers health care or marry someone who has a job that offers healthcare.

Gee…. thanks. 

Post # 13
Member
5296 posts
Bee Keeper
  • Wedding: January 1993

@o0olibelulao0o:  I just thought of something I saw on a fb friend’s wall a while ago –

She is apparently doing something different for this pregnancy (her third)  – this is literally all I know about it, and I don’t know if you need to be religious to partake. Thought I would throw it out there as something better than nothing!

“Samaritan Ministries is a Christian healthcare-sharing organization where individuals and families (about 20,000 households currently) pay for each other’s medical expenses. I’ve been a part of it for almost two years but this pregnancy is the first time that I’ve had a need shared. I’ve been receiving cards from other members with money and encouraging words. So awesome!! Samaritanministries.org has more info :)”

Post # 14
Member
5096 posts
Bee Keeper
  • Wedding: June 2011

@misspeanut:  Yeah, Texas hates women apparently, it’s becoming a theme lately

Yep. (I’m from TX originally.) It’s situations like these that make me completely baffled as to why everyone doesn’t want universal health care. NO ONE should be in this situation.

“Family values” my ass. If they valued families, they wouldn’t put women in the situation of giving birth unattended and without prenatal care or going into tens of thousands of dollars of debt for a safe birth.

Post # 15
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

@o0olibelulao0o:  The other businesses don’t necessarily have to be in your area. I don’t even know 99% the businesses in our pool – they’re all over Texas. The broker puts the pool together, you just pay the bill. :p (Well part of the bill, you’re only legally required to pay 50% of the employee cost)

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