Maternity Insurance Guide

Two-Minute Guide to Maternity Coverage

Please take two minutes and read this simple guide, you will have a clear understanding of what your options are regarding maternity coverage. I realize that the web page can be confusing and I hope this clears things up.

All of the plans mentioned on this page have no waiting period. You can become pregnant as soon as the plan starts – but not before.

Let us start with a few important facts:

1.	If you are already pregnant, all I can do is to wish you the best of luck. There are no legitimate insurance plans you can purchase. If someone says otherwise, chances are they are on parole. However, if you are already pregnant, please click here now. Or, call 800-460-9178 (Use this number if you are pregnant) It will take you to our National Maternity Benefit Provider. This plan can help to significantly lower your costs for pre-natal care and delivery..
2.	All of our plans can be used with your current health insurance or by themselves. You can keep what you have and add these plans. Or, you can use these supplements as your primary health plan.
3.	We sell limited medical health insurance plans that will cover maternity expenses in the same way they cover all other illness. There is no such thing as standalone maternity insurance. I know I keep saying this, but people keep calling asking for the “maternity insurance plan”. As long we are talking about the same thing, I am fine with the term. I just do not want to be misleading.

First, I want to explain a very important concept that will save most of you a considerable amount of money.

All of these plans are PPO plans. That means that the bill first goes to the insurance company where it is significantly discounted. Insurance companies have special discounted rates for all services. They do not pay what you and I pay for medical services.

If the provider is in the network, you will be entitled to receive the reduced PPO rates for the doctor, labs and hospital. I cannot give you the exact pricing as this is not public information. But, a hospitalization for a normal delivery could easily be reduced to as little as $1,800 (or less). The ability to have everything re-priced at the insurance company’s discounted rates could save you thousands.

How These Plans Work

All of these plans pay out specified amounts towards specific expenses. In other words, if a plan benefit sheet said that it will pay $100 for a physician visit, it literally means that it will cover up to $100 of expenses per visit for up to a certain number of visits per year. A few examples might help.

Our HealthMax plan pays out $3,000 for the first day in the hospital and $1,000 for each additional day. It does not matter whether this is for maternity or because you are having your gall bladder out. The plans cover maternity the same as any other illness. So, for a normal delivery with two days in the hospital, the plan would pay $4,000 in hospital charges ($3,000 the first day and $1,000 the second). A five day stay for a c-section would provide $7,000 in hospital payment. This is in addition to surgical, lab and doctor fees.

The same plan pays $100 a visit for up to seven office visits. Therefore, the plan will pay up to $700 for office visits that are not considered “well” visits or preventive care. This is an important distinction. The visit must not be coded as a wellness visit. Just remind your physician’s office, they will know what you mean.

It also pays out amounts for diagnostic testing, surgery, etc.

These are examples of how this plan pays medical expenses. Again, these plans treat maternity the same as any other medical expense. Please see the brochure for specific benefits.

Which Plan Should I Choose?

Now that we have the basic concepts of how the plans work, let me give you some hints on which plan to choose.

One important factor is whether you know if you will have a normal or caesarian delivery. With a c-section, you might be in the hospital for four or five days. In this case, a plan that paid out more in surgical and hospital fees might be to your advantage.

Here is a brief summary of some the plans we offer. Remember, the amounts shown are what they will pay the provider or yourself. This is not a complete list of the benefits for the plans. There are many others. We are just listing the ones that are of greater interest to someone looking for maternity coverage:

The HealthMax is our most expensive plan and has the most benefits ($4,000 paid out for two days in the hospital).

 

HealthMax	$305 per month
Hospital	$1,000 per day
First Day Hospital	$3,000 for first day
Physician Office Visits	$100 per visit/7 visits per year
Diagnostic Lab/X-ray	$400 per test/5 tests per year
Surgical/Anesthesia	Pays 100% of Medicare levels – no limits
PPO Network	Multiplan www.multiplan.com

The Homeland plan has too many benefits to list here. It is not available in all states. However, it does use an AIG company to underwrite the plans and offers an excellent set of benefits at different price points.

By the way, it can be combined with either the HealthChoice Value or HealthMax plan for increased benefits. Click Here for their brochure.

 

Homeland	$90 to $245 per month
Hospital	$1,000 per day
First Day Hospital	$2,000 for first day
Physician Office Visits	$50 - $75 per visit/3 visits per year
Diagnostic Lab/X-ray	$50 to $125 per test/6 tests per year
Surgical/Anesthesia	Pays $555.00 towards the surgical fee for a c-section and $138.75 for anesthesia
PPO Network	NPPN www.nppn.com/patients.html

We also have the HealthChoice Value Plan, which will pay out $2,000 for a two day hospital stay (not including the payments for surgery).

 

HealthChoice Value	$145 per month
Hospital	$250 per day
First Day Hospital	$1,750 for first day
Physician Office Visits	$50 per visit/3 visits per year
Diagnostic Lab/X-ray	None
Surgical/Anesthesia	Pays 50% of Medicare levels – no limits
PPO Network	Multiplan www.multiplan.com

Now What?

Now you are in a better position to choose a plan. You now know that:

1. Maternity insurance means a supplement to help with maternity costs and will not cover everything.

2. There is no wait to get pregnant, but you cannot be pregnant when you take the plan

3. Any of these plans will reduce your expenses through PPO re-pricing discounts.

4. If you are already pregnant or want a less expensive alternative, use are physician/hospital negotiating services by Calling a Special Number - 800-460-9178.

Still Confused? Give me a call and I will help you as best I can.

We are available:

9 am to 8 pm EST Mon – Thursday
9 am to 6 pm on Friday

Our number is 800-272-0512