Supplement to Help with Maternity Costs

[caheath]

Well I'm new to health insurance so please bear with me. I'm looking for strategies to offer clients who need some sort of coverage to help with maternity costs.

[This be Tennessee]

The only carrier I can find that offers a maternity rider is BCBS but its ridiculously expensive. What about putting the woman on a major med policy with a high deductible and OOP to keep premium low (for catastrophic coverage and to get access to negotiated rates) and then also lining her up with a supplemental fixed benefit plan? If so, what are some reputable supplemental plans? I have no interest in selling low value/scam plans to my clients...

Also, what is the reality of getting the negotiated rates from health care providers for non-covered services? Ex... if UnitedHealthOne has a negotiated rate of 50%, how realistic is it for the insured to ask her OB for this rate on pre-natal services?

 

[somarco]

Forget supplement plans. Total waste of money.

HSA and fund the OOP cost with what you would have paid BX for their piece of crap maternity rider.

I have quite a few clients that are able to negotiate around $8k for doc and hospital for normal vaginal birth. Add $1500 or so for scheduled C-section.

 

[dgoldenz]

I've had clients get the entire thing covered for $3-5k cash, but varies by area.

 

[LOM58]

Tell her to wait until the last minute and have the cabbie deliver it in the back seat. Whatever is on the meter.

 

[Justin Bilyj]

Too bad accident policies dont cover unwanted pregnancies...