If you are currently pregnant, your choices [in order of demand] are Medicaid, group insurance and prepaid plans. Individual policies cannot be issued after pregnancy. The application will be automatically rejected. If you are planning to become pregnant, the best option to minimize your maternity leave costs is Medicaid, Group Insurance, Blue Cross Blue Shield Personal Insurance, Prepaid Plan to reduce demand.
The average total maternity fee submitted to the Blue Cross Blue Shield in North Carolina in 2007 was $20,015 per pregnancy. 1. Patients may be required to pay this full fee, but many families negotiate with hospitals and providers to pay only discounts. . The choice is paid.
The four main options for North Carolina are as follows when planning to pay for maternity leave:
1. Group maternity insurance. This is usually the most advantageous way to pay for maternity costs, as many group policies cover maternity leave for all women without additional riders. In addition, if you are pregnant and do not meet the Medicaid income requirements, this is the best chance for you to cover your pregnancy at an insurance company. In addition, some group policies do not consider pregnancy to be a pre-existing disease, so if you are pregnant, this is a good option.
After submitting the fee to the insurance company, it is worth asking the hospital if you can get the discount by paying the deductible in full, instead of paying over time. I know that deductibles have been deducted for timely payment.
2. Personal maternity insurance for Blue Cross Blue Shield. At the time of this writing, I only know that a health insurance company in North Carolina provides maternity insurance. The company is Blue Cross Blue Shield and its policies are BlueAdvantage® and Blue Options HSA sm. I don't know that any personal health insurance policy will provide you with insurance after you become pregnant. HumanaOne previously proposed a personal maternity leave policy, but has since ceased to use it. I am generally skeptical about small health insurance companies. If you can even find a company that provides maternity, because they often have tight budgets, their policies often contain elusive loopholes.
Blue Cross Blue Shield's personal policy is somewhat similar to the hospital's prepaid plan, as the increase in maternity rider's premium is considerable. However, the benefit of this policy is that if pregnancy involves complications, your costs are more predictable. Pregnancy with complications is usually much more expensive than normal delivery, so this option is preferable to a direct prepaid plan.
Blue Cross Blue Shield's maternity plan uses the deductibles and co-insurance of the attached plan, so it is important to assess the different costs of maternity passengers within each program's deductible and co-insurance. For example, suppose a planned maternal rider costs $350 a month. Suppose the plan has a $2,500 deductible and 100% co-insurance. The total cost of pregnancy for one year now is $350 for 12 months = $4,200 + $2,500 for deductible = $6,700. Now, suppose the second plan has a maternity rider for $450 a month. Suppose the plan has a $1,500 deductible and 100% co-insurance. Pregnancy now costs $450 for 12 months = $5,400 + $1,500 deductible = $6,900. With this hypothetical scenario, the first option will be better even if the deductible is higher. The purpose of this example is to illustrate the importance of paying attention to reducing the cost of deductibles.
With the Blue Cross Blue Shield's maternity plan, the time to plan for pregnancy is also important. Personal deductibles are reset on January 1st each year, so it is best to start the birth policy at the beginning of the year and start trying to get pregnant. Otherwise, the pregnancy will overlap with the calendar year and you may have to satisfy your deductible multiple times.
3. Medicaid maternity insurance. Visit the North Carolina Medicaid website to learn about current income eligibility requirements.
4. Prepaid plan. I am pregnant and the prepayment plan is the last choice. In this case, you should contact the prenatal and delivery caregiver to negotiate the advance payment rate. Many hospitals offer discounts paid in advance. When negotiating a prepayment, it is important to be very specific about what the arrangement covers and whether the price includes pregnancy complications or only normal delivery.
Summary
from
Overall, Medicaid is usually the cheapest option from a financial perspective, followed by group insurance. Individuals with Blue Cross Blue Shield are the third most ideal mother to minimize the cost of complications from pregnancy. The fourth option is a prepaid plan that negotiates directly with the provider.
1. The average cost of obstetric services, majors and hospitals submitted to Blue Cross Blue Shield NC in 2007. Your charges may vary.
Orignal From: Maternal or pregnancy insurance options in North Carolina
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