So, you live in Utah and looking to expand your family and you do not have coverage through an employer. You need to know what your options are and how they will afford the child, but not break the bank to pay the premiums. We will cover what you can do to ensure that this baby has the best possible insurance for the least dollars. One thing to keep in mind as we go through the options is because Intermountain health facilities SelectHealth only take on a base in the network, if you choose a doctor who only has privileges IHC center, your only option is a SelectHealth insurance unless you choose another doctor.
The next thing we need to talk about maternity cover carriers here in Utah and how they cover it. First we will deal with this is not the case. Currently, HumanaOne does not cover maternity at all. The only real option is to use one of them their plans and HSA options combine this with a hospital compensation plan (see below). Otherwise, they will not cover various complications with the delivery of anything.
SelectHealth will cover pregnancy and childbirth, but only after a separate maternity deductible $ 6.500. But obviously, the number of doctors in the network for them and its parent company, Intermountain Healthcare (IHC), is the largest state, must always be considered provider. They also always cover complications, as part of their regular health coverage. The only thing to remember with SelectHealth is maternity coverage in their own hospitals Intermountain Healthcare in a database network. Thus, the network will cover the American Fork Hospital, but not at St Marks Millcreek.
Assurant has the best coverage in terms of franchising refers here. They have a maternity deductible as low as $ 1000 price. This means that after you pay $ 1000 for maternity care coverage occurs, so far, the only real problem is that the premiums will be very high, because they know that with this low of a deductible you might intend to use the coverage. Since the birth of a baby can cost from $ 6,000 to over $ 10,000, depending on complications or Caesarean section, you can see that if the premiums are not more insurance companies would go bankrupt trying to cover everything. The same goes for Assurant, but face SelectHealth. Its coverage is not good in the Intermountain Healthcare hospitals as San Marcos Community Orem, but not in IHC facilities that Intermountain Medical Center in Murray.
Regence BlueCross BlueShield has a $ 5,000 deductible for maternity coverage and has an extensive network of doctors to go too. Networks are also Assurant, so make sure your doctor hospital privileges are not in a center of IHC.
Altius also provides coverage, but do not have the higher $ 7,500 deductible.
compensation schemes hospitals are also an option. Because your health plan and do not triggered until a certain deductible, how can you get coverage without breaking the bank. This is where these plans are useful. These plans help cover expenses during hospital admission for delivery. Thus, to meet the health plan deductible maternity, the plan provides compensation for you. Therefore, you will still incur OB / GYN visits during pregnancy, but the real most expensive to get coverage hospital. So, as an example of how this coverage would work, we will use in conjunction with a Plan SelectHealth. You are pregnant and you start your prenatal visits with your obstetrician / gynecologist. These visits will come out of your pocket, but taken into account for the franchise. Ultrasound and lab work will also pay out of pocket and then also count toward the deductible. Then strikes and they are admitted to Utah Valley. Then, the compensation plan and trembling to cover expenses incurred while was there, but at the same time, the costs paid by the plan would also SelectHealth your franchise. Once you reach $ 6,500 in fees paid shook Plan SelectHealth and cover the remaining costs. Sounds easy enough right? There are more than that, then talk to an expert so that they can walk through what to do.
Now, what can you do if you can not pay options? In the state of Utah, they have a large Medicaid program to help cover all costs incurred. And with a little flexible qualification options is always an option to consider. Utah Medicaid covers everything from prenatal visits labor and delivery, including caesarean section if necessary all the way to follow-up visits with a pediatrician.
The most important thing to do is to talk to a health independent insurance agent in Utah to help you sort through the confusion in what could be the right plan for you. Because specialize in health insurance in Utah, they know what transportation options and appropriate plans for your situation. They will help you determine if your privileges of doctors in a MountainStar installation IHC or even a standalone installation of the University of Utah Medical Center hospital. And best of all, it will not cost you a penny extra to help.
Whatever you choose, good luck with the expansion of the family. It can be a little stressful time, but it is really worth it.
Dan Hauser is an independent insurance broker in Utah and runs one of there most popular health insurance sites. You can learn more about how health insurance companies available in Utah cover maternity, maternity insurance in Utah.
Or if you want a side by side comparison of providers and plans cost, you can do it here
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