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manja 06-29-2007 03:34 PM

Health Insurance and pregnancy
 
My employer does not pay for dependent health insurance and I want to buy insurance for my wife. Does anyone know of any plan that covers pregnancy? So far I could not find one. I'm living in Texas.

Thanks.

peekay 06-29-2007 04:03 PM

insurance taken before 30 days
 
Hi,
I dont have a direct answer to your question but I do know that insurance has to be taken within the 30 days of your wife's arrival in US. I had the same situation where I applied for insurance on 32nd day and got a reply from the insurance company that I have to apply within 30 days. I finally was able to convince them and take the insurance. Try your luck by talking to some insurance company like BCBS or Humana. They should be able to provide more info. I cant be of more help than this.

Peekay

H1B-GC 06-29-2007 04:13 PM

Talk to your own Health Insurance Company that your Company is Providing and ask for a quote.Even better is through your HR.Ask them to contact the company for adding your Wife. It shouldn't be too difficult i guess.

manja 06-29-2007 04:13 PM

Thanks. Hmm...I was not aware of this 30 days rule. I'll check with the insurance companies....otherwise I'm in trouble :)

Thanks again!

amitpan007 06-29-2007 04:15 PM

No you can't
 
I have gone thru this exercise. There is no Individual health insurance plan in TX that covers maternity. I am expecting a baby in few weeks and switched whole family into my employer's plan few months ago and pay the difference from my pocket. If you have more specific questions PM me.

manja 06-29-2007 04:16 PM

To add my wife I'll need to pay 500+ per month which is pretty expensive. That's why I was looking for outside options. I found some on ehealthinsurance but none of them cover pregnancy.

amitpan007 06-29-2007 04:21 PM

Still worth it
 
Paying little extra for few months is better than remaining uninsured. Check with your employer and health insurance if there is a pre-existing condition clause for maternity. Usually, there is none and in that case you can take a cheaper individual plan for now to cover for office visits (and pay discounted rates for those as most of them will count against deductible in any decently priced plan you choose) and later shift to employer plan as delivery time gets closer. But one thing to keep in mind is that usually depending on employer size and health insurance company you choose, declaring current status as pregnant may add more premium later.

coloniel60 06-29-2007 04:29 PM

You will find very few insurnce companies willing to provide coverage for a pregnant lady and even if they cover it they won't cover much. You will still end up paying most of it.

Your best bet is to convince your employer to add your spouse to your insurance and pay him the insurance amount. Most employer sponsored health plans allow dependents. Talk with your HR or call the insurance company directly and ask them if you can add dependents to your insurance. Don't mention that your wife is pregnant.

If you are able to add your wife to your insurance then they can't deny benifits for pregnancy as pre-existing. Pregnancy is not a pre-existing condition. They will have to cover it. So the best and cheapest for you is to somehow get her added to your empler sponsored insurance.

sunny26 06-29-2007 04:42 PM

hi

If not able to get insurance talk to the Dr they have some package like 3000$ for full term checkup and delivery(normal) like that.One of my friend in tx dont have insurance so they took that package the Dr office offered him.

manja 06-29-2007 05:17 PM

Thank you all for your help/suggestions. I'll try to add my wife in my employer plan, may be with lower premium and higher deductible for now. Also there is this insurance I found called 'HTH global citizen' that covers pregnancy after 12 months.

dc2007 07-05-2007 11:28 PM

Quote:

Originally Posted by manja
Thank you all for your help/suggestions. I'll try to add my wife in my employer plan, may be with lower premium and higher deductible for now. Also there is this insurance I found called 'HTH global citizen' that covers pregnancy after 12 months.

My suggestion is: "Go for HIGHER PREMIUM and LOW DEDUCTIBLE", other wise go for $3000 package.
But I can tell you even if doctor is saying $3000, you might be ending paying a lot more than that. Its medical, and I hope everything should go fine. But in case of any complexities, if you don't have insurance, you will end up paying like more than 10K (even in $3000 package).

Go for full coverage and add your wife to your insurance. This is my suggestion.

Good Luck

vasa 07-05-2007 11:48 PM

Tell the employer you'll pay for the premium but include you in the company's group insurance.even a normal delivery costs can run into 10K plus the baby has additional costs etc . Did you have group insurance from a previous company?you can continuethat on cobra..its expensive though.good luck

adurthy 07-06-2007 02:33 AM

I was in the same boat 2 years before , I opted for Kaiser and it costed about $200 per month.

Munna Bhai 07-06-2007 06:38 AM

What is Kaiser??
 
Quote:

Originally Posted by adurthy
I was in the same boat 2 years before , I opted for Kaiser and it costed about $200 per month.

What is Kaiser and how to get visitor medical insurance?

-M

GumI485 07-06-2007 09:41 AM

Kaiser Permanente is good
 
Quote:

Originally Posted by adurthy
I was in the same boat 2 years before , I opted for Kaiser and it costed about $200 per month.


Yes,KP is really gud when related to maternity coverage.All Prenatal checkups are free and they provide gud prenatal classes too.

Here is their website link:
http://www.kaiserpermanente.org/

Hope it is useful


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