Maternity Insurance?

[Bianca]

Quote:

Originally Posted by JulieG I have no idea what Maternity Insurance even is, so I can't help you at all. Does it cover your medical expenses while you are pregnant and when you have the baby? We don't pay for any of those things here, so I don't even have an idea of what things cost. Sorry, I wish I could help you out, actually in this situation I am glad I don't know the answers

I'm only 21, so I dont really know much about this type of stuff... but I just assumed maternity related expenses were a part of regular insurance. I guess I will need to take this into account when I start looking for a job!

[Davematthews16]

Quote:

Originally Posted by JulieG I have no idea what Maternity Insurance even is, so I can't help you at all. Does it cover your medical expenses while you are pregnant and when you have the baby? We don't pay for any of those things here, so I don't even have an idea of what things cost. Sorry, I wish I could help you out, actually in this situation I am glad I don't know the answers

I forget that you Canadian girls are so fortunate to not have to worry about medical insurance or maternity insurance for that matter. Yes, it's insurance that covers you and the baby all through your pregnancy.

[kevsgirl]

I'm with JulieG - up here in Canada. We are very lucky

 

I went in April to have a "discussion" with my wonderful doctor about prepping for babies and she didn't really do much. She had recently taken my blood for other reasons and I'd had a pap not too long ago, so I didn't get anything done.

My only thing to think about is whether or not I should try to go off the medication I'm on (Effexor). That's a whole other thread though, I'd assume

 

Good luck finding a comprehensive plan.

And good luck come January. We're on the same kind of 'plan'. FI and I are thinking of starting to try right after our Dec 12 wedding. Maybe you and I will end up being due date twins soon! It's so exciting

[*JillD*]

I never knew there was a such thing as maternity insurance. Any health insurance I've ever had, had pregnancy and pregnancy related things included in what we normally paid for the insurance.

 

So I guess I'm confused. Were you on a limited type of health insurance before, maybe paying a really low premium because it was just for you and basic doctors visits?

 

You should check with your companies insurance, Keiser?, and find out if you see an out of network doctor, how much the charge would be. It may just be that they'll only cover say 70% of your office visit and then you'd pay the rest out of pocket, but that wouldn't be too bad and you'd have good insurance when you went for your hospital stay.

[Angel]

I have 2 kids and I never heard of that type of insurance at all. I paid about $100 or so for all of my prenatal appointments and I just paid for that after my very first appointment and $50 deductible for the hospital visit when I delivered. I have really good health insurance. So that insurance is news to me.

[Davematthews16]

Maybe I worded it wrong..Maternity bennefits? Does that make more sense than maternity insurance? My current insurance is Goldendrule it's full blown health insurance, but their maternity bennefits are CRAP! Like I said, if I were to get pregnant with my current insurance the most they would cover is $2,000. That doesn't include co-pays, and check-ups. That would leave me and my FI paying thousands of dollars out of pocket. So, I am trying to switch insurance companies. All of you seem to have it covered in your regular insurance, what companies do you have?

[*JillD*]

I've never heard of goldendrule or keiser, are they small insurance companies?

 

I have blue cross/blue shield right now and I used to have Aetna.

[Banana11]

I also have blue cross blue shield and it covers everything except a few copays here and there.

[Davematthews16]

Quote:

Originally Posted by TA Jill I've never heard of goldendrule or keiser, are they small insurance companies? I have blue cross/blue shield right now and I used to have Aetna.

No not at all. Goldenrule is a branch out of Pacificare, and Keiser Permanente is big too, but are not available in every state. I called my doctors office and got a list of all the insurance companies they take. I am just going to go down the line and call each one and join the best one. Thanks ladies for you input!

[Kryztan]

It sounds like you just need to find better benefits!!! You could end up paying a lot!!! I have blue cross. I paid the initial co-pay 20.00/specialist (OB) and then 150.00 total for birth and three nights stay. My daughter was also covered. Now she is on my fi's insurance.