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Who is UtahMaternity.com? |
We are an informational service to inform
you on the very best maternity benefits available to you in your
area. We are not an insurance company, nor do we offer insurance
ourselves. We simply get you in contact with the best agents in
your area based on your needs on a referral fee basis. Below is
information we have gathered from individuals who
have purchased these policies. The following is for
informational purposes only and is not an official offer for
insurance. If you are interested, we will forward your
information on to a qualified agent who will
contact you to go over the details, exclusions
and limitations of whatever plan is available in
your area.
Click
Here
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Are these plans HSA Compatible? |
Some are,
some aren't. But most of them are compliant.
Make sure you let the agent you speak to know if
you have an HSA so you can get the full
disclosure of compatibility.
Ummm... what is an HSA you might ask?
Here is a generic description of an HSA as we
understand it (noting again that we are not
experts but will refer you to someone who is!)
An HSA plan is a Health Savings Account that is
associated with certain QHDHP's or Qualified
High Deductible Health Plans. If you have an HSA
through your employer, it most likely covers
maternity like any other illness. If you got it
privately (not part of a group employment) then
it most likely does NOT cover maternity. In fact
you won't even get to take advantage of in
network discounting with can be 40-60% the bill!
So having a plan that covers maternity is a very
good thing even if you have a high maternity
deductible.
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What if ObamaCare
happens? Will it affect these plans? |
Yes! Our research shows that when our Socialistic
tendencies in the Left Wing radical Liberal government (oops...
my politics are showing) finally implement the socialist take
over of America's health care system, there will still be
supplemental plans a plenty. The same reason there are Medicare
Supplemental plans available to seniors now. This is our
opinion, but Obamacare charges us taxes for his plan until 2014.
Finally in 2014 we start getting the so called
"benefits" we have been paying for since 2010...
that is if the Chinese don't completely own us
by then. HA HA! OK... enough of the
political stuff....
Our understanding that that ObamaCare will not
affect Supplemental plans. You should be able to
keep the plan even when we get "socialized." Now
keeping your health insurance? Even though Obama
promised "if you like the plan you have now,
then keep it." But all indications from the bill
passed show that is not the case. HSA's for
example may not be allowed after 2014 because of
the mandates of deductibles and coverage that
will be forced on insurance providers. If you
make any changes on your plan (deductible,
dependent additions, etc) then you will
lose it. Again, this is our opinion of what we
read in the bill and we are not offering this as
an expert opinion :)
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What
Medical Questions are required for these plans? |
You will get
this information when a qualified insurance agent contacts you,
but in general you need to answer the "dread
disease" type questions: Aids, Heart
problems, Cancer type questions. It is much
easier to get a supplemental plan then to
qualify for major medical health plans. The
plans usually do not cover any pre-existing
conditions. Even if you have had a complicated
C-Sec in the past, most plans will still cover
you. Again we will get you to a qualified
Insurance Agent in your area that can answer
this and other questions:
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Here
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What if my employer has a great maternity coverage plan
that covers most everything. Can I still take advantage of these
plans? |
Yes. Many people have
virtually complete coverage through their employer's health
insurance plan and still take advantage of supplemental plans. They
often purchase the maximum benefit possible and
pocket the difference. They use the money for various
things. Some use the money to take longer maternity leaves from
work. Others save it for future expenses. Even others have
used it to got to Maui, etc. Really, it is your choice.
No questions asked. Some of the agents we refer to also
represent companies that can get you additional benefits through
your workplace. Ask them when they contact you!
There are also some benefits that are ONLY
available through an employer group. Your agent
will go over your situation and see it your
employer qualifies for such a plan.
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Here
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Aren't there
any health plans that include maternity? |
Yes, there are a
few. A qualified insurance agent that we send
your information to will be able to consult with
you to help you choose a plan that is compatible
with maternity. The Problem? As we
understand it, Utah insurance companies have
mostly gone to a high deductible for maternity
situations. Some have a $5,000 or $7,500
deductible for all maternity related treatment.
For this
reason we recommend you consult with a
professional in your area.
Click
Here
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What if I
have no health insurance, or a plan that excludes maternity. Can
I still get these plans? |
Again, we are not
the experts, but here is what we understand: The new Health Savings
Account Plans (HSA) are becoming very popular. However most
individual/family plans do
not cover maternity. This means you have to pay for all maternity
expenses yourself and pay for them out of your HSA account. But
this causes some problems when it comes to In-Network
discounting. When you go to a hospital with a
health insurance plan you get "in network" discounts. When you
go for a non-covered event (such as maternity), or you have no insurance and are
paying with cash you don't get the discount. This can be a very
big deal. For example, a typical hospital bill for a two
day maternity stay is apx $8,000 - 11,000 plus. Because
most people have insurance the hospitals agree to apply the in
network discount. This drops the bill to around $5,000 to $6,000 or less.
You could owe a whole lot if you have a plan that doesn't cover
maternity or if you are paying cash and don't get the in network
discount. Some have successfully negotiated a "cash discount"
with some providers. This is supposed to be illegal for the
medical profession to charge you one price if you have insurance
and another price if you are paying cash (ie should be $11,000
either way before the in network discount).
Just know these facts before you try to pay for
a delivery yourself or pick a health insurance
plan that doesn't cover maternity. If you need a better health
insurance plan? We can get you in contact with a professional in
your area. Let us have an agent contact
you that knows the maternity issues inside and out.
Click
Here
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Do I have to
use certain doctors or hospitals? |
Again, you would have to ask your insurance
professional for a difinitive answer. But we
understand that most of the supplemental plans
they offer in Utah allow you to go to any doctor
or hospital in the country.
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There is no such thing as Maternity Insurance
in Utah |
So why are you here again? Don't panic.
Although we are not the insurance company, nor
are we the insurance agents ourselves, we can
get you to a professional in your area that
understands Supplemental
Health Plans. They can help you understand how the
specific plans might cover a variety of types of
medical hospital stays. Although they cover all
kinds of hospitalizations, some just so happen
to also cover maternity. The companies that
offer supplemental plans change now and then.
Some stopped offering the plans to new clients
after a certain date. We will help you contact the
agents we work with offer the most current options available. See the insurance policy
contract for limitations, exclusions and details.
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Here
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What is "Supplemental
Maternity" Insurance, anyway? |
Again, we are
not the insurance company, nor are we offering
any insurance. We can get you to a professional
in you area that can consult with you regarding
this and other questions. But as we
understand it,
there is no such thing as Maternity
Insurance. It is a supplemental "hospital indemnity"
insurance plan policy. We have noticed by
our own research and from people like you that
send us information that most individual major
medical plans only cover maternity after
you pay the first $5,000 or $7,500 depending on the plan you
pick. Most of the plans then cover 100%.
Supplemental plans are used to cover that maternity
deductible. The money left over is yours to use as you see
fit. You must be admitted
into a hospital to get the benefit. Although they are often
used for maternity, remember that the plans cover
other eligible hospitalizations after being in force for 30
days. For this reason many couples purchase the benefit
for both spouses. This is especially attractive if the
male is self employed and has no other disability or hospitalization
benefits. Supplemental insurance
pays you a flat amount for being admitted into
hospital. Some also pay a flat daily amount for
each day you are hospitalized. Regardless
of the actual cost of your medical bills,
supplemental plans only pay that flat amount. So your health plan might pay everything
your maternity deducitible at 100%. Some supplemental plans pay money directly to
YOU. You can use that money to help cover the
maternity deductible and yes, that means that in some cases you might have 100% of your maternity
covered or even more than 100%. Any money left over is
yours to keep. Let us refer a qualified agent to help
you with such plans.
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Here
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Why can't
I just purchase the supplemental plan and drop my major medical
insurance? |
Please consult a professional for this question.
But as we understand it,
Major medical insurance will cover medical expenses after a
deductible is paid and a co-insurance is shared (ie the 80/20
split with the insurance company.) After meeting the deductible
and co-insurance, an out of pocket maximum is met (usually $2,000
- $3,000 maximum). Some health insurance plans have a $7,500
maternity deductible but then cover 100% after that deductible
is met (Altius, SelectHealth & BCBS). Many do not cover maternity at all
(Humana, etc). In any case, after the out-of-pocket maximum is
reached, the insurance company might cover 100% of the cost up
to a maximum benefit (usually $1Million, etc). If you had a $500,000 hospital bill, Major
medical would cover you very well. If you only had supplemental
insurance you would be left paying about 98% of the bill all
by yourself! Supplemental insurance should only be used
when you have a major medical plan in force. Supplemental
plans may be used to pay for your deductibles and Co-Insurance
that your major medical plans do not cover. Unlike Major
medical plans, money you receive from supplemental plan can be
used for any expenses you choose (like rent, mortgage, car
payments, diapers, Maui... whatever!)
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Who is eligible
for supplemental insurance? |
Some plans allow anyone to purchase them
regardless of employment situation. Others
require you to go through your employer group to
be eligible for the plans. We can get
you with a representative that knows how to find
the options that will work for your specific
situation.
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Here.
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OK, there must
be a catch to the supplemental plans. How could I mess up?
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You caught us. There are ways to mess up. Many people have
told us about the following
6 ways you can mess up. These are things you could do to NOT get the benefit even though
you pay each month:
1)
Deliver outside of a Hospital. If you deliver at
a birthing center or at home no benefit is paid.
2)
Deliver at a hospital, but check yourself out before 24 hours.
Some plans require a 24 hour hospital stay to trigger the benefit.
3)
Stop paying your premium before your hospitalization. Policy
must be in force when you deliver.
4)
Deliver outside the United
States. Some plans
will not pay for a delivery outside the US.
5)
Enroll in a Government welfare program like Medicaid. All
benefits are then paid to Medicaid, not you. These
are all ways to not get paid when you have a baby. Make
sure you don't fall in these traps and you will receive a benefit.
Make sure you consult with a qualified expert. We can refer one
to you!
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Here
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What if my hospital bill
is less than this benefit? |
As we understand it, some of the supplemental plans don't
care if you have insurance or not. They don't care if you
go to the most expensive hospital or not (as long as it is in
the USA!). It doesn't matter how much the hospital bill
is, the supplemental plan pays you a flat amount for being
hospitalized for at least 24 hours, and for each day after that.
If you had a $30,000 bill, you don't get more money from the
supplemental plans. If your bill is less than your
supplemental benefit you keep what is left over.
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What
if I move out of Utah? Can I still use the plans? |
Again, we have to
say you need to read your specific exclusions
and limitations. But we understand that the
answer would be Yes.
However, be VERY careful when you leave the
state and make sure that you don't let the bank
accounts lapse your policies by you closing the
bank accounts and forgetting to transfer the
payments to your new bank. (that was a
mouthful!). Also you need to plan
ahead with your health insurance. Many plans
will drop you if you leave the state
permanently. The State
you move to may not cover you if you are already
pregnant when you apply for coverage. They look
at it as a pre-existing condition. Some
plans are portable from state to state. However
most of them don't cover maternity which result
in you not getting the in network discount.
We suggest you consult a professional. We can
help make that happen!
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Here
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I am pregnant already. What are my options? |
Although options
are somewhat limited if you are already
pregnant, there may be options available. We
will get you in touch with Insurance Agents in
your area that can offer you all the options
available if you are already pregnant.. Call your local
SelectHealth
hospital for details. The
other maternity supplement plans described on this website won't
be available to you. The individual health plans like
SelectHealth, BCBS or Altius or Assurant won't take you if you are already pregnant.
We have been told that SelectHealth will offer coverage for a husband and children
of a mother who is pregnant.
Click
Here |
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