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The following is a least expensive way to have a baby:

1. Purchase a health insurance policy if you don't already have one. All major medical insurance policies in Arizona will cover complications of pregnancy, such as a C-section, even the plan doesn't have maternity coverage included. You must have the insurance in place prior to conception. A $1500 deductible policy for the 25 year old is $132.70.

2. Purchase a Hospital Cash Plan (not available in all states). The plan will pay you up to $2000 when you go into the hospital and up to $200 per day. This will pay a good portion of the delivery. The plan will also cover your spouse and children for an additional premium. Click Here for more information. For the 25 year old a plan with the highest coverage will cost $43.73 per month. This means that the total premium for the health insurance and the Cash Plan is $176.43 per month, or $262.57 less than the policy which included maternity coverage. Since the waiting period of the policy with maternity is 21 months you'll be paying $262.57 times 21 for a total of $5513.97.

3. Call your own Ob-Gyn and/or several other doctors referred by your friends. Get the cost from them on a "routine maternity package" from conception to delivery without complications. This is also called a "Global Maternity Fee". In Arizona, that will be somewhere from $5,000 to $7,500. Pick the Ob-Gyn you want. First, ask them if they'll give any discounts because you do not have maternity coverage, many will discount 10% to 20%. Ask them to start billing you $200 a month (or whatever) until you have paid them whatever the global maternity fee is you two have agreed upon.

Let's say your Ob-Gyn has the most expensive package and will not discount anything from the amount. You'll be paying around $7500 for the delivery. You will receive $2600 from your Hospital Cash Plan leaving you paying $4900. If you have the policy with maternity you'll be paying the $3500 deductible plus $1200 co-insurance for a total of $4700. Add in the $5513.97 from the additional premium and your total cost for this delivery will be $12,213.97 (which is actually more than the global maternity fee!).

Ziva schreef:
En maak ik nou uit je verhaal op dat je 6 maanden voor je wilt proberen zwanger te worden je verzekering moet aanpassen om voor het meeste gedekt te zijn? (Of lees ik het nu verkeerd?)

wiepster schreef:

Ziva schreef:
En maak ik nou uit je verhaal op dat je 6 maanden voor je wilt proberen zwanger te worden je verzekering moet aanpassen om voor het meeste gedekt te zijn? (Of lees ik het nu verkeerd?)

Binen 6 maanden zwanger geld als pre-existing condition en word er niets vergoed.

OscarG schreef:
Voor degenen waarbij de link niet werkt, dit is het idee wat op die pagina staat beschreven:

The following is a least expensive way to have a baby:

1. Purchase a health insurance policy if you don't already have one. All major medical insurance policies in Arizona will cover complications of pregnancy, such as a C-section, even the plan doesn't have maternity coverage included. You must have the insurance in place prior to conception. A $1500 deductible policy for the 25 year old is $132.70.

2. Purchase a Hospital Cash Plan (not available in all states). The plan will pay you up to $2000 when you go into the hospital and up to $200 per day. This will pay a good portion of the delivery. The plan will also cover your spouse and children for an additional premium. Click Here for more information. For the 25 year old a plan with the highest coverage will cost $43.73 per month. This means that the total premium for the health insurance and the Cash Plan is $176.43 per month, or $262.57 less than the policy which included maternity coverage. Since the waiting period of the policy with maternity is 21 months you'll be paying $262.57 times 21 for a total of $5513.97.

3. Call your own Ob-Gyn and/or several other doctors referred by your friends. Get the cost from them on a "routine maternity package" from conception to delivery without complications. This is also called a "Global Maternity Fee". In Arizona, that will be somewhere from $5,000 to $7,500. Pick the Ob-Gyn you want. First, ask them if they'll give any discounts because you do not have maternity coverage, many will discount 10% to 20%. Ask them to start billing you $200 a month (or whatever) until you have paid them whatever the global maternity fee is you two have agreed upon.

Let's say your Ob-Gyn has the most expensive package and will not discount anything from the amount. You'll be paying around $7500 for the delivery. You will receive $2600 from your Hospital Cash Plan leaving you paying $4900. If you have the policy with maternity you'll be paying the $3500 deductible plus $1200 co-insurance for a total of $4700. Add in the $5513.97 from the additional premium and your total cost for this delivery will be $12,213.97 (which is actually more than the global maternity fee!).

Dutchess schreef:Omdat jij via je werkgever verzekerd bent, gelden er waarschijnlijk andere voorwaarden voor jouw polis dan de individuele polissen waar OscarG naar op zoek is. Jij zult zelf je verzekering niet aan kunnen passen (je kan meestal maar 1 keer per jaar, tijdens "open enrollment" van verzekering veranderen) omdat jouw werkgever heeft besloten wat voor pakket(ten) aangeboden wordt of worden.

Dat neemt niet weg dat ook jij je polis even goed moet doornemen om uit te pluizen of er wachttijden bestaan voor bepaalde condities. Om de volledige voorwaarden te zien, moet je vragen om een kopie van de "Summary Plan Description (SPD)" of iets soortgelijks.