estateplanningteam
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Since all the carriers have discontinued maternity benefits on individual policies in FL does anyone have a solution to help families in need of maternity?
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How to Sell Maternity in Florida?
- Thread starter estateplanningteam
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3 options:
-Get a job with health insurance that includes maternity
-Buy an HSA-compatible policy, negotiate a flat cash price, and use the HSA to pay for everything.
-Everyone's favorite - Medicaid! Why pay for it when somebody else will?
The income limits are so high for OB medicaid.3 options:
-Get a job with health insurance that includes maternity
-Buy an HSA-compatible policy, negotiate a flat cash price, and use the HSA to pay for everything.
-Everyone's favorite - Medicaid! Why pay for it when somebody else will?
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Vaginal deliveries: Pay cash
Non-Vaginal deliveries: Use your health insurance
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Bcbsfl Still Offer Maternity?
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Use supplemental insurance: short term disability and hospital indemnity both cover normal delivery. Couple that with a plan with a large deductible, or one just covering complications.
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This doesn't apply to all plans. Some carriers will treat any type of delivery as a non-covered. For example, the wording we gave at BCBSKC was "When you got pregnant, you knew you'd have to deliver some way, so that is NOT a complication".
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ummm, buy some Trojans?
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The Blue Cross Blue Shield of Florida "Blue Options 595" plan has the maternity option.
Brochure Link: http://consumerdirect.bcbsfl.com/wp...GxhbnNIZWFsdGg!/#7_SIQURI4200VS80I2TE0TF80HE0
But if the option costs as much as it does here in Illinois and has the long wait time before the maternity benefit kicks in, you're probably better off taking the HSA route, as advised by a prior poster.
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Brochure Link: http://consumerdirect.bcbsfl.com/wp...GxhbnNIZWFsdGg!/#7_SIQURI4200VS80I2TE0TF80HE0
But if the option costs as much as it does here in Illinois and has the long wait time before the maternity benefit kicks in, you're probably better off taking the HSA route, as advised by a prior poster.
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Set up a stand outside an OB/GYN office.
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