maternity insurance advice?

iVillage Member
Registered: 03-23-2004
maternity insurance advice?
8
Mon, 06-07-2010 - 5:30pm

Hi :) I'm Jessica and I'm new here. I just stumbled on this blog and I'm so happy to see so many other women in the same boat as me. My husband and I have been married for almost a year (together for 6) and we are ready to start trying. He is 28, I'm 25. We have one last trip planned for July 4, and when we get back, that's when we would like to start.

The problem is that neither of our employers offer insurance policies that include maternity. We currently have individual insurance through Aetna (a high deductible plan), but recently found that they do not offer any insurance policies that include maternity.

Has anyone else had a similar problem or know someone who has? Do we have other options? I know everyone says there is no "perfect" time to start trying, but we do feel this is one thing we need to get figured out before we actually start trying for a baby.

Any help would be GREATLY appreciated!
Thanks so much :)
Jessica

iVillage Member
Registered: 09-24-2009
Tue, 06-08-2010 - 2:49pm

Awww, i'm so sorry you are dealing with this!

iVillage Member
Registered: 04-17-2009
Wed, 06-09-2010 - 11:54am

Hi Jessica! Welcome to the board!

I'm so sorry to hear this...I really dislike Aetna from my experience. Could you possibly shop around for a better insurance plan?



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iVillage Member
Registered: 08-04-2003
Wed, 06-09-2010 - 4:23pm

Ugh, Aetna. We have Aetna and they SUCK, IMO. But we do have maternity care through them. Not as good as the plan we had when I had DS, but it's something.

I wish I had more advice, but I just wanted to say "welcome".

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iVillage Member
Registered: 12-04-2007
Wed, 06-09-2010 - 10:34pm
It's pretty hard to get maternity care without a group plan. There are some individual plans that include maternity, but it costs extra and you typically have to hold the insurance for a period of time before the maternity coverage goes into effect. It's definitely something you want to look into, because the costs of labor and delivery can be pretty outrageous. When I had my son I think it was $13k for my care and then another $10k for his. I would assume your current insurance would cover the costs for the baby, but it's definitely something to look into, I would hate to get stuck with a bill that big. I've found insurance with ehealthinsurance.com before, it's a helpful website. Also this obviously varies by state, but in my state (CO) there is a state insurance for people with pre-existing conditions. You have to pay for it, it's not medicaid, but I think pregnancy would count as a pre-existing and you could get on it, so you might want to look into what's available through your state. HTH!
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Avatar for thesunshinekid
iVillage Member
Registered: 09-22-2001
Wed, 06-09-2010 - 10:52pm

I wish I had some for you!

Jules - Happily married and Momma to DS, DD and expecting our Caboose Baby 11/24/2012


iVillage Member
Registered: 04-29-2006
Thu, 06-10-2010 - 10:41am

Hi Jessica! You got some good suggestions in this thread, so I hope you can figure something out! Health insurance is so frustrating. The plan we have right now is pretty expensive, but the good thing is it does cover maternity care 100%. Upgrading to a family plan is one of the major factors we're waiting to be able to afford though!

I'm Becki and I'm your CL, welcome to the board! I'm 24 and my DH Paul is 26 and we're waiting to try for our first, but we haven't decided when yet. I'm mostly waiting for him to feel ready and for us to afford childcare somehow.



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iVillage Member
Registered: 11-27-2007
Sun, 06-13-2010 - 2:41pm
When I was pregnant and diagnosed w/ incompetent cervix, I shopped around for additional insurance. You can get specific policies through places like Aflac, but since I was already diagnosed, it was considered a pre-existing condition and wouldn't have been covered anyway. Luckily, my aetna plan covered a lot but it was only 80% of the total cost. We were able to switch to the high coverage plan retro-actively 2 weeks before the twins were born because that's considered a "life changing event" that qualifies for the coverage change. I would say to check out individual plan providers that provide additional insurance. Aflac is only one of them but there are others out there and it's definitely worth it.

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iVillage Member
Registered: 03-19-2007
Thu, 06-17-2010 - 4:57pm

Hi Jessica!

Sorry to be so late to jump into this conversation! I have a high deductible plan but ours does include maternity coverage - but that means we had to pay the entire deductible before the insurance covered any of the costs. If yours works like that, plan to pay the entire deductible (cuz you'll get there!) but you probably won't have much more after that since the cost of everything drops a lot when the insurance says how much they will allow a procedure to cost. We also have a health savings plan with our insurance so we saved as much as we could ahead of time to help pay; and we're currently saving for baby #2.

BCBS has individual plans that include maternity coverage - at least they do in FL and NC. The only trick with those plans is that you have to be on the plan for an entire year before they will cover maternity costs. I had a friend who has individual insurance, and she waited a whole year after she went on the plan before TTC, but I don't know if that was necessary. In the end the coverage was really good; she got the pregnancy care and delivery that she wanted (midwife attended homebirth).

If you can't get maternity coverage before you start TTC, keep in mind that most doctors and hospitals are really good at working out payment plans (and adjusting costs) for women without insurance.

Sorry if I repeated something someone else said - I haven't read the other replies!

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