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Health insurance..who do u have?
Who do you have and what plan? I'm looking into individual care for myself that has good maternity care for the future but I have no clue which one to go with. I looked at Horizon blue cross and blue shield and Amerihealth and Aetna. What do I want covered as far as maternity care goes? I only go to the Dr's for annual check ups but I want to make sure my coverage covers any complications if god forbid I have them and also any infertility treatments if need be.
I read Amerihealth's HMO Basic plan is $375 which seems good but it only covers the first 3 maternity visits and delivery no extra appts or post natal (not sure if that's good or not)....and Horizon has a Direct access plan that covers a decent amount as long as you stay in network with no deductible or coinsurance for $360 and Aetna has one for $430 with a $2500 deductible and 50% coinsurance.
Any advice b/c I am so overwhelmed and confuse right now and I"m trying to spend a fortune a month b/c I never go to the Dr's but I also want to make sure the important stuff is covered when it comes to maternity
TIA
Re: Health insurance..who do u have?
Deanna: I called Horizon about their EPO and EPO plus plan but the girl on the phone told me it would be good but it doesn't cover any complications with pregnancy. What do you pay for Dr's visits and your yearly OBGYN appt?
Also, do you know what the out of pocket cost would be for delivery? and does it cover pre and post natal checkups
Sorry for all the ?'s I"m glad someone has this plan b/c this is what I was looking into but was worried about it due to the girl from Horizon telling me it doesn't cover complications
I'm getting this info out of my Health Care Program Handbook. It was on my desk forever and I'm just opening it.
I don't have any co-pays for dr's and specialists. The ones I would pay for is: outpatient physical therapy: $20, er services - $100, outpatient and ambulatory surgery - $250, inpatient care for biologically based mental illness - $500, hospital confinement - $500.
I have a wellness benefit deductible of $50 per year and all other covered services and supplies don't have a deductible. For coverage limits it says I have 90 days covered in hospital, 30 days physical therapy outpatient, and all other it states is Unlimited.
Maximum benefit is unlimited for all other services and supplies beyond out of hospital diagnostic, wellness benefit, and practitioner visits for injury or sickness.
Under the complications of pregnancy it says the treatment is covered. The yearly exams for GYN fall under the wellness benefit.
I haven't found any info reguarding fertility issues, but it doesn't state that it is not covered.
As for the out of pocket costs, I have no idea, but the covered newborn benefits include nursery charges, charges for routine practitioner's exams and tests, and routine procedures like circumcision.
HTH, I'm really happy with this plan and have had it for a while now.