(Closed) UPDATE: Private insurance doesn't cover maternity?!

posted 6 years ago in Pregnancy
Post # 3
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

That’s good to hear! Also, since it sounds like you’ll be getting standard insurance coverage, they HAVE to cover complications from birth even without maternity coverage. That puts my mind at ease. Certain AFLAC policies also pay cash for hospital stays for future reference, including birth. 🙂 I’ve got a policy through them solely to help me with hospital bills for pregnancy eventually, because who knows what insane laws Texas will come up with next!

Post # 4
Member
3773 posts
Honey bee
  • Wedding: December 1999

That doesn’t sound as high as some places, so that is good! My question would be, will your regular insurance then cover the baby immeadiately after delivery, so if the baby had to be in NICU or something it would be covered?

Post # 7
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

That is so weird.  When I was employed in Texas, my insurance had maternity coverage as standard (and good coverage at that).  So it certainly isn’t a “Texas” thing.

Glad you found a way to make things work for you guys though!

Post # 8
Member
2065 posts
Buzzing bee
  • Wedding: December 2011

@Mrs.KMM:  It tends to be covered if you have insurance through a group plan with your employer. Individual self-bought plans no longer offer maternity riders.

Post # 9
Member
3692 posts
Sugar bee
  • Wedding: December 2011

It tends to be covered if you have insurance through a group plan with your employer. Individual self-bought plans no longer offer maternity riders.

This is true.  Covering maternity is expensive for an insurance company.  They would pay out much more than they would ever get from you in premium.  At that point, they’re just buying the claims.  

Post # 10
Member
6824 posts
Busy Beekeeper
  • Wedding: June 2011

@o0olibelulao0o:  Insurance can not deny a infant coverage. That is called a change in status and a child is to be added to a person’s coverage starting the date of birth of a child. Most insurance companies gives you 30 days to add a child.  (I work in the health insurance industry). I would also double check about coverage or how much it would cost if said infant did have to be in the NICU, I say this because my son had to be in the NICU for almost a month, he was 7 weeks early and if my insurance hadn’t covered the actual stay we would have to pay over $145,000 and this not including the doctors/and or procedures that were done.

Post # 11
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

@misspeanut:  Ahhh – got it.  Is this a recent thing?  Beecause my parents are self-employed and have always had (expensive) individual policies and I’m pretty sure my mom had coverage for me and my siblings (she didn’t have coverage for the fertility treatments it took to have us though).

Post # 12
Member
3773 posts
Honey bee
  • Wedding: December 1999

@Sassygrn:  Is that with a private plan though? I know that is how it is with my group plan, but do you have to buy a seperate policy for the baby or do they just go on their parents.?

OP: I am glad you have this under control because I find this so confusing, and makes me happy to have the coverage I have.

Post # 13
Member
2866 posts
Sugar bee
  • Wedding: June 2014

OP- There is a coverage you can get that covers maternity in Texas. Let me go dig it up for ya 🙂 As someone that ended up with tons of complications that no one could have anticipated if you can get insurance please do! medical bills for me alone were creeping towards 6 figures towards the end. 

Post # 15
Member
3773 posts
Honey bee
  • Wedding: December 1999

@mixtapehearts:  It’s crazy how fast it all piles up, isn’t it. I had abruption of the placenta and Dirty Delete spent a month in NICU. Insurace covered most of it, but they still send the itemised bill-holy cow!

Post # 16
Member
6824 posts
Busy Beekeeper
  • Wedding: June 2011

@ieatunicorns:  They would go under a parent (I deal with group and private) for one of the largest health insurance co’s in the US, so deal with all states

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