Looking for insurance information for maternal costs.

[MeatKing]

omg, I'm sorry, bu this is one of those times I can say Thank-God I"m Canadian really.. Thought it was high when someone was mentioning 7-14k, but 100,000- 250,000 for NIC OMG... Crazy!!! Crazy Crazy!!!
Have no idea what the cost of our health care is... All I know if you have private insurance, they will bill them for your TV and phone in the private rooms... really, can't believe it's that much

Although my American neighbor, who is now a Canadian, still can't believe what we pay in taxes.. EI, hubbies pay is $3000.00, so 1000.00 goes to taxes, then you pay %15 on everything you buy....

I hope you find a decent cheap plan!! All the best!! Nothing any better then having kids!!

 

[windsofhoney]

you said you lived in ny my sister in law was making a lot of money
i do not know how much but she had help with all of her kids hope this helps




Health Insurance and Benefits Library . . .
Medicaid for Pregnant Women (PCAP/MOMS) and Family Planning Programs
PCAP/MOMS (Medicaid for Pregnant Women)
Medicaid Family Planning and Reproductive Health Care Services Program
PCAP/MOMS (Medicaid for Pregnant Women)
Comprehensive prenatal care is available for pregnant women and teens who meet income guidelines, regardless of their immigration status, under a special part of the Medicaid program called the Prenatal Care Assistance Program (PCAP), or the Medicaid Obstetrical Maternal Services (MOMS) Program (MOMS is the name of the program in areas of the State where there are no PCAP health centers). Under PCAP and MOMS, pregnant women can obtain prenatal health services, such as lab tests, HIV tests, nutrition screenings, and other services related to their pregnancy. Please refer to the enrollment sites to determine which program—PCAP or MOMS—is available in a particular area of the State.
PCAP - General Information.Provides information on PCAP, including benefits, eligibility requirements, and a list of providers. For more information, please call the Growing Up Healthy hotline at (800) 522-5006. Information provided by the New York State Department of Health.


MOMS - General Information.Provides information on the MOMS program, including benefits, eligibility requirements, and a list of MOMS providers. For more information, please call the Growing Up Healthy hotline at (800) 522-5006. Information provided by the New York State Department of Health.

Eligibility for PCAP/MOMS.Chart showing income eligibility levels by family size for PCAP and MOMS. Sponsored by the New York State Department of Health.

Applying for PCAP/MOMS.This Access NY application can be used to apply for PCAP and MOMS, in addition to related programs such as Child Health Plus (CHP), Family Health Plus (FHP), Medicaid, and the Women, Infants, and Children (WIC) nutritional programs. There are many places you can go to enroll in PCAP and other public health insurance programs, including community Medicaid offices, social service district offices, health plans, and certain community-based organizations. [See following link for providers that enroll PCAP applicants.]

PCAP Enrollment Sites/Providers - List of providers, by county, who enroll pregnant women into the PCAP program. Women can also receive services at these locations. For MOMS Providers/Enrollment sites, click here.

Documents Required to Apply for PCAP/MOMS - Documentation checklist (PDF) for Medicaid and other forms of public health insurance, provided by the New York State Department of Health


this came from HITE.org

 

[suburbanchickymama]

We were self-employed when we started trying. Blue Cross Blue Shield was pretty much the only option for us that had a maternity option, but we were able to start right away with it. But it's expensive and still cost us I think about $5000 out of pocket. Good luck! It's crazy expensive when you're self-employed, but the little ones are worth it! Best of luck to you!

 

[runsw/scissors]

I believe that almost all OB's will offer you a discount as well as help you with a payment plan...

Once you have ins (whether or not it pays for maternity, and my Goodness how can it not?? Even medicare pays maternity benefits!! I know, I used them...), as long as it is a family plan it will cover the baby at birth. There is no waiting period so long as you get the policy BEFORE the baby is born. So, no worries there.

I would apply with the state anyway, since even when they refuse you coverage they just might have a program you do qualify for. Just get the highest rated insurance that you can afford and try not to worry to terribly much if they don't cover maternity, also the waiting will depend on the company and state laws, in some places it's illegal to not cover pregnancy...

Oh, and good luck!

 

[reveriereptile]

Thanks a lot for all the information from everyone. I'll have my husband call up the social service building sometime and see what he can find out.

Thanks, runsw/scissors, about the family plan information. If it came to it we would pay for the maternity bills but if the insurance in a family plan did cover the baby after incase of problems then that would be a huge help for us.

It's making me wonder if when I do get pregnant if I'll be a nervous wreck the last couple of months worrying about the labor as much as I've been worrying about insurance.

 

[YooperK]

*expensive* at least in Maine when I was looking at it a while back.

I second (third? fourth?) the suggestion to check into your state insurance. Often pregnant women and children qualify at much higher limits than others. I believe that in the state I'm in now (MI) there is only an income requirement, but no assets limit for these groups (and there is an assets limit for others).

You might also consider hiring a midwife for a home birth or a birth center birth. Our son was born at home (in Maine) for a total midwife fee of $2800, 60% of which was reimbursed by the cheap/terrible grad student insurance we had at the time. Of course, you would want to make sure you were covered in the (very rare) catastrophic case, but, as previous posters have mentioned, you might be able to get that covered without maternity coverage, or with a high-deductible plan.