SIKE. Ok, So this is NOT mine.. but I need advice for if this really did come true! I feel like Tim Allen in the Santa Clause asking what would happen if he fell off a roof... Not planning on it, just need to know what happens what it does happen... ADVICE please.So.. We have been having an extremely rough time dealing with Health Insurance lately. We feel very uncomfortable with not having insurance for me.
Well, we finally picked one that seemed affordable and some of my friends said it was pretty good health insurance.
We met with a Select Med insurance agent yesterday and filled out the application and everything. Then a question sprang into my mind. Do they cover maternity? No, we are not planning on having a child, but I would like to know what I need to do to prepare for that day. So I asked if they covered maternity, and they cover everything up to the labor and delivery and then NOTHING ELSE. (they don't cover the hospital at all)
They don't cover the hospital
bills until I have paid $7,500!
And not until then will they cover 100%. Now, I am new at this and need to know if this is normal. And I need advice from all you young mothers and pregnant folks. HOW on EARTH DID YOU AFFORD IT? I cannot understand how all of my friends, who most of which married dirt bags, could afford to have a baby. Especially you college students, because Anthony will be school for a LONG time...
I need to understand the concept from people
who actually KNOW what is going on.. Help?
Also... since Anthony is not going to be on the health ins. with me (he gets it thru BYU; way cheap) then if a baby came, the baby wouldn't be covered under my health insurance, because they need both of us on it, andthe baby would be insuranceLESS for 2 weeks. Normal? I think not. I am so confused. and need help. HELP.
I just wrote a ridiculously long comment, and deleted it. Here is a summary.
ReplyDeleteInsurance is ridiculous! Most of the plans I have been looking at have a 5,000 deductible for maternity (for when the time comes). So before they will pay a cent, you have to pay 5,000. The problem with that is that normal healthy babies only really cost about 2,500. (According to the internet) so even if there are complications you might not even reach that 5,000 deductible, but it's better to be safe than sorry. Some of my husbands friends (those who have had babies) are on medicaid, which apparently paid for everything. It doesn't sound nice but it sure would beat paying for an insurance that won't cover anything. Anyways... They are pretty picky and you might make too much money to get on it, which happened to us, but I heard it's easier if you are actually pregnant, it's at least worth looking into.
I hope this helped some. Let me know if you have any questions shann_elise(at)yahoo(dot)com Good luck.