Health insurance with maternity coverage options?
967225
Unfortunately you are seeking a plan of coverage that no insurer is likely to offer.  Maternity related medical expenses can be huge and the only way an insurer will cover those costs is by spreading the costs over many non-pregnant policyholders.  \n\nSince some people choose to go without maternity coverage (due to expense or inability to have children for example) many insurers make such coverage optional.  However they cannot allow you to add such coverage on little notice.  It just doesn't make business sense.\n\nA few plans I have dealt with allow adding maternity coverage with at least one year's elimination period - you have to pay the added premium for at least one year before any maternity coverage would go into effect.  Ask an independent insurance broker for details about such plans.\n\nDepending upon your income level you may be able to receive assistance with maternity expenses through a state medicaid plan.  Qualifying income leves are different for pregnany women.
83854
There are many providers of short-term health insurance that would probably meet your needs. I had a great experience with an online provider, Clear Blue Insurance. Great site, really easy to deal with and a good choice of plans.
970534
In the US, most people buy short term health insurance as a "stop gap" measure, to maintain their health insurance while they are waiting for new coverage under a new employer. So, it depends on your insurance needs whether short term or long term is the better choice. If you are expecting to get insurance coverage through an employer at some point, go short term, but understand what kind of coverage you will get. \n\nShort-term health insurance is just what the name implies: health insurance for a short term, usually 30 days to 180 days, although some plans will offer coverage for up to 12 months. If your short-term needs look like they may run longer than your coverage, you may be able to renew. However, you can't count on a short-term plan to provide insurance for more than a year and they don't have to offer a renewal option.\n\nShort-term plans usually provide all the same basic kinds of benefits that you would expect in any basic health insurance plan. You may have benefit limits, deductibles and co-payments. In most cases, you'll be allowed to pick your own doctors, hospitals or health-care providers. Most of these plans do not require a physical exam and coverage can start as soon as your first premium is received. However, because of the easy application and acceptance, most plans also won't cover any previous medical conditions.\n\nTo keep the premiums on these kinds of plans down, you won't likely get all the benefit's of a permanent health insurance plan. Aside from the restriction on pre-existing conditions, you'll also find that most won't cover routine medical exams, preventative care, dental or optical or pregnancy and childbirth expenses. \n\nOne other caveat: short-term health insurance is exempt from the Health Insurance Portability and Accountability Act. In other words, they are not subject to COBRA. \n\nIf you are an independent contractor or don't have an employer who provides health insurance, then you should consider long term. However, keep in mind that you should shop around! Private health care insurance can be very expensive. If you want more information on health insurance and how to get the best price, check out http://www.insuranceguide101.com/health-insurance/. There is a good section on health care and the kinds of things to keep in mind while checking out providers.
459922
Generally speaking you can pick up individual coverage. Typically insurers will disallow coverage for pre-exisiting conditions UNLESS you have had coverage prior to applying for the new coverage.\n\nFind a health insurance broker near you to help. Policies are controlled by state law. I do not know what, if any, idiosyncracies exist in Cali.
715456
Visit your state insurance department's Web site. You'll probably find a list of companies selling individual coverage in your state, including those that aren't handled by brokers. For example, many BlueCross/BlueShield plans -- often one of the few choices available in highly restrictive states -- prefer to deal directly with customers, or offer such low commissions that they aren't worth a broker's time. \n\nThe insurance department may provide shopping tips for your state, as well as insurance-company complaint records. \n\nIt is a good idea to check with a qualified insurance agent before purchasing a health insurance policy.  Health policies can get very complex and can hidden coverages/non-coverages.  Start by getting a quote at: http://www.insureme.com/landing.aspx?Refby=614499&Type=health.  This web site will allow you to compare prices and find the best price and coverage.  It is free of charge and they even give you the option to speak to local agents if you have questions.  \n\nI hope that helps!  \nRon @ InsureMe
552561
May I suggest to you Ameri Plan's discount benefits program. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nPlans are month to month with no contract.\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
794270
I have used employee care at Miami Valley Hosp. I would suggest you look into either your employer or your spouse's. Many offer counseling services as an employee benefit. Some health insurance plans offer mental health care (counseling) as part of the ihealth plan. Good luck
316389
Hello, if you live in California, Blue Cross has a plan called "Tonik". It covers medical, emergency visits, doctor visits, dental and vision. Rates are lower than most health plans because they only advertise this plan on the internet. You may want to check it out. Good luck.\n\nhttp://lamontinsurance.com/tonik/tonik.health.html\n\nhttp://lamontinsurance.com/tonik/tonik.chart.html
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
580003
Health and vision usually fall under "Health Insurance". Bank of America does provide health insurance for employees.\n\nPlease note: if you leave the company, you will no longer be insured and will have to get your own.
92602
Depending on what state you are in, there may be a high risk pool administered by your state.  Contact your state's Department of Human Services or other organization.  A high risk pool is great for people who are going to have very high medical bills, but you will have to pay premiums which are likely going to be much higher than if you were healthy.\nYou might also shop around for "short-term" medical insurance.  Insurers are more willing to write people who may be sick under those short term policies because the insurers knows a date certain that they will no longer be responsible.
456538
Check with the insurance carrier, United Behavioral Health.  They would most likely have a listing of providers who accept their insurance coverage for specific areas.
880401
When I graduated from college (5 years ago), I got temp health coverage from Fortis, which is now Assurant Health.  It was a simple online process.  I remember it being affordable.  I cannot speak for how good it is, because thankfully, I did not need to use it.  After 6 months, it expired and that was it\nhttps://www.temporaryinsurance.com/stm/(nzuznvznzbxmqe55raetbozl)/GetQuote/\n\nIf I just graduated, I would take a serious look at this site.  They seem to specialize in students.\nhttp://www.gradmed.com\n\nJust make sure you read what they will not cover.  For example, don't get pregnant.\n\ngood luck\n\n.
360000
Health Insurance provided as a group plan at a business is often twice as expensive as a "individual/family" plan. The reason is that a group plan is not medically underwritten so "sick" people are covered. Also maternity is covered in most group plans but not in individual plans. So switch to an individual plan if you are healthy. To further lower your cost get a higher deductible either $2,500 or even $5,000 per year. Pay the small stuff yourself but use the insurance for the "BIG DEAL".
664369
Virtually all US health insurance companies cover childbirth. \n\nFor foreign insurance companies, you'd need to check with them directly.
52989
They can and will test for pregnancy.  They will also ask in the application.  Whatever you do, do not lie on the app.  If you do and they find out in the test results they can completely deny coverage to you.  Most level term policies will allow you to continue to pay into them after the level period is over.  You would still have coverage, its just that the premium would start to go up.  Many companies will not issue a new life policy until after the delivery.  Consider keeping the current policy inforce until you can establish the new plan.
223053
It all depends on the state in which you live.  Blue Cross is aways a good reliable but Golden Rule is a good company also.  The latest thing in health insurance is called medical savings accounts.  Find a local agent and talk to them