If you are currently pregnant, your options are Medicaid, group insurance and payment plans. Once pregnant, no individual policy can be issued. The application will be automatically rejected. If you are in the process of planning your pregnancy, the best options for minimizing maternity costs are Medicaid, group insurance, individual insurance with Blue Cross Blue Shield, prepayment plans, and lower desirability.
In 2007, the average maternity expenses filed in the Blue Cross Blue Shield of North Carolina are $ 20,015. 1. For each pregnancy, the patient must pay this amount; however, many families negotiate with hospitals and providers when it is the only one to pay the reduced rate. the option is to pay out of pocket.
If you plan to cover maternity costs, North Carolina's four main options are:
1. Group maternity insurance. This is often the most advantageous way to pay for maternity costs, since many group policies cover maternity leave without more cycling for all women in the police. Also, if you are already pregnant and you do not meet Medicaid income requirements, this is what an insurance company can get you pregnant. In addition, some group policies do not take into account the existing state of pregnancy, so it is a good option to consider when you are pregnant.
After submitting the charges to the insurance company, it is worth asking the hospital if you can get the discount by paying the deductible instead of making the payments on time. I know that the deductible for the full deduction was immediately charged.
2. Coverage of individual maternity insurance with Blue Cross Blue Shield. At the time of writing, I owned only one of the only North Carolina health insurance companies that provides maternity coverage. The company is Blue Cross Blue Shield and policies are Blue Advantage® and Blue Options HSA sm. I am no longer covered by individual health insurance that will cover you after you are pregnant. Previously HumanaOne offered an individual maternity policy, but has since canceled. I am generally with small health insurance companies, even if you are able to find one that offers maternity leave, because they often have very tight budgets and as a result their policies have huge gaps.
The Blue Cross Blue Shield is a policy similar to an individual hospital payment plan, which is relatively large for adding maternity leave. However, the advantage of the policy is that in the event of a pregnancy that involves complications, your costs are much more predictable. Pregnancies with complications are often much more expensive than regular delivery, so this option is more desirable than a direct payment plan.
Blue Cross Blue Shield & # 39; s maternity plan uses the deductible and co-insurance of the plan attached, so it is important to evaluate the different cost of maternity drivers for each plan's deductible and co-insurance. For example, suppose a maternity pilot for a plan was $ 350 per month. Suppose this plan has a $ 2,500 deductible with 100% coinsurance. The total cost of pregnancy throughout the year is $ 350 12 times for 12 months = $ 4,200 + $ 2,500 deductible = $ 6,700 for pregnancy. Suppose a second plan had a maternity pilot for $ 450 per month. Suppose this plan has a 1.5% deductible of 100% money. Now the pregnancy would cost $ 450 12 times = $ 5,400 + $ 1,500 deductible = $ 6,900. With this hypothetical scenario, the first option is better, although the deductible is higher. The purpose of this example is to explain the importance of seeing how much your deduction will cost.
Blue Cross Blue Shield & # 39; With a maternity plan, it is also important to plan the time of pregnancy. The individual deductible is reinstated on January 1, so it is advisable to start maternity policy early in the year and try to get pregnant at that point. Otherwise, your pregnancy will exceed calendar years and you should meet your deductible more than once.
3. Medicaid maternity coverage. Visit the NC State Medicaid website for current income eligibility requirements.
4. Preliminary plans. If you are already pregnant, the prepayment plan is the last resort. In this case, you should contact the newborn and childbirth caregivers to negotiate the pre-payment rate. Many hospitals offer out-of-pocket discounts. When it comes to making budget negotiations, it is very important to know what the organization is receiving and if the price is only for pregnancy complications or normal delivery.
Overall, from a financial standpoint, Medicaid is usually the most expensive option and then group insurance. The third blue cross that is desirable as a measure of minimizing the cost of unexpected pregnancy complications is individual maternity. The fourth option is a prepayment plan that should be negotiated directly with the provider.
1. In 2007, the average expenses incurred by Blue Cross Blue Shield NC in maternity services, occupations and hospitals, etc.