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Archive for December, 2012

HEALTH INSURANCE GROUP PLANS

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health insurance group plans
Is there an insurance company that had maternity available to Individual Insurance policies?

I am switching to a career that does not have a group plan and need insurance for a possible pregnancy in the near future. I am having trouble finding any good priced insurance that has maternity available other than Blue Cross under an indivdual policy. With Blue Cross I am looking at $300 for a monthly premium…just for a maternity option. Then add a $200 premium for Basic Health Insurance. HELP!!!

Insurance pickle is quite correct in stating that geography matters. Insurance is regulated on a state level, and the rules vary for each state, as does the insurance options.

If your state allows for true insurance coverage of your pregnancy, be sure to enroll preconception. Also if cost is a concern, you might consider a plan with a large deductible and/or hospital co pay. Although you are likely to encounter left over medical bills from your pregnancy, you can fill those holes with hospital indemnity insurance and short term disability. They both pay cash directly to you for your delivery and maternity leave, but the premium cost is small compared to your major medical savings.

You must get these at work, but it costs your employer nothing to make it available to you.

International Medical Group – IMG Insurance

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