health insurance question

[Katiana]

Originally Posted by Mgmtbuzz

Hi

Thanks for reply.My husband 's school doesnt have married students .Others use UPMC coverage for students which is just 1200$ or student health services.
How is Highmark bcbs plan DirectBlue, An Individual Comprehensive Major Medical Preferred-Provider Health Plan; $250 Deductible; Medically Underwritten.

Also I cdnt get the difference between Medically Underwritten plan and guaranteed issue.
kindly suggest.

Re: the prenatal care, I would suggest calling some OBs and asking what the charge is for prenatal care. Some charge per visit, some charge a flat fee for the pregnancy (for dr visitis only). Ask what the usual lab fees are for ultrasound, blood work, etc. Then figure out if the insurance is worth it, or if it's better to pay out of pocket. Keep in mind if you have any complications involving hospitalization, such as miscarriage, premature labor, etc, the costs will rise astronomically.

[citrushills]

Be prepared. I just relocated from Florida to Pittsburgh. I had Blue Cross/Blue Shield in Florida and went with United in Pa. Same exact coverage. Our premium is now 400% (four-hundred-percent) higher. Never had a claim or any pre-existing illness. No issues whatsover.