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Old 02-26-2011, 10:05 PM
 
1 posts, read 3,522 times
Reputation: 10
Quote:
Originally Posted by NOTAM View Post
if you live in Central Texas, the best individual plan is the Scott & White Health Plan. lots of options. fairly reasonable. excellent coverage. and of course, comprehensive health care services.
I was covered by Scott and White Insurance as a former employee. I WOULD NOT advise anyone to take S&W Health insurance. You can only use Scott and White physicians and hospitals. You have no choice. All of my coworkers including myself agreed that the physicians at Scott & White were less than average. Remember, you will have NO Choice. If you need a specialist outside of their system, they say you can be referred out but no one that I know that requested to be seen out of the system was ever granted their request. Self included X3. Beware! In 2014 all self-employed/individual health care plans MUST include maternity. Moderator cut: off topic

Last edited by Bo; 01-31-2012 at 08:14 AM..
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Old 02-26-2011, 10:34 PM
 
14,532 posts, read 26,789,862 times
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IF the Republicans fund it and don't get it struck down by Supreme Court which would probably love to do that...
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Old 03-22-2011, 07:41 AM
 
1 posts, read 3,418 times
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Default Name of Insurance Company

Quote:
Originally Posted by DrTex View Post
Here's where you can purchase the best maternity insurance plans (in Texas anyway): www.instexas.com

Choices are slim for those who don't have group insurance at work. We found a plan with unlimited maternity insurance coverage for my wife. Our cost was $53 monthly for the maternity insurance (plus the cost of regular health insurance coverage to go with the maternity coverage). I am self-employed and group insurance was not an option (in my situation).

Perhaps this will help others. We searched & searched. This was the best deal we found. Most of the websites we found were worthless. Most of the agents who called us (constantly) could not offer any maternity coverage. This coverage will pay 100% of our maternity costs, with a 30 day wait before conception can occur, and after a $5000 deductible. Considering the cost of hospitalizations, we considered this deductible to be OK. We paid over $15,000 for a 2-day hospitalization recently.
Hi! Would you mind letting me know which insurance company you were able to find maternity insurance with? I called Galaxy Health plans and they said they worked with over 3,000 companies and that they would need the name of the particular insurance company.

You can also email me directly at encouragedlife2010@gmail.com if that would work better.

Any information you could provide would be greatly appreciated!
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Old 03-22-2011, 04:48 PM
Status: "Not Important" (set 4 days ago)
 
Location: Texas
463 posts, read 643,714 times
Reputation: 219
Quote:
Originally Posted by encouragedlife2010 View Post
Hi! Would you mind letting me know which insurance company you were able to find maternity insurance with? I called Galaxy Health plans and they said they worked with over 3,000 companies and that they would need the name of the particular insurance company.

You can also email me directly at encouragedlife2010@gmail.com if that would work better.

Any information you could provide would be greatly appreciated!
The original post was from years ago...when you could get maternity coverage from on many individual plans. Today, you are pretty much out of luck... at least for the time being. Even when they were offered, they usually had a fairly large deductible ($5000) and the coverage had waiting periods... at an additional premium of up to $100/month.

However, all is not lost. Unless you have a complicated pregnancy, you can usually work out a deal with the OB and hospital such that a simple delivery cost is reasonable -- if you can pay in one payment, they are usually willing to drop their prices. Also, if unfortunately there are issues that require a NICU stay for your baby, that is still usually covered by your regular policy.
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Old 01-31-2012, 01:34 PM
 
8 posts, read 33,602 times
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Scott and White has a traditions health plan that offers maternity but it is not advertised on the main part of their website and you have to call them and ask them for it. Do a google search on "Scott and White Traditions Health Plan maternity coverage" to find out more about it. Also, another non-insurance option is to use a supplemental policy from a cost sharing group. Christian Healthcare Ministries is a good option to consider if you need normal maternity (non complications) coverage in Texas. Most regular individual plans in Texas will cover maternity complications but not normal birthing conditions. Therefore a cost sharing group can help pickup where your regular individual health insurance leaves off.
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Old 01-31-2012, 03:38 PM
 
14,532 posts, read 26,789,862 times
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dude--that baby was born already
thread is from 2011 and earlier
unless you live in the Scott White area you can't use that maternity care
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Old 02-01-2012, 09:59 PM
 
Location: Medina Co., TX
2,792 posts, read 2,111,631 times
Reputation: 2250
A good point! But a few years back when we were looking for a supplement policy to go with Medicare, we discovered that where you live determines what companies will even offer their plans to you. If you live in a rural county, you're more limited in how many are available. Also, one member of my family who is considered to be self-employed has a high-deductible insurance, plus a Health Savings Account that she puts money into every year to cover her family for the amount of that deductible. Of course, she has a good income to be able to fund that HSA, also.
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Old 02-03-2012, 05:58 AM
 
2,209 posts, read 1,773,085 times
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Your best option is to get a catastrophic policy through the farm bureau or a professional organization like IEEE. It is just for stuff like cancer, etc, and will have a high yearly deductible.

Then, use doc in a box for routine stuff.

Then, find an OB who will negotiate with you upfront for the entire term and delivery for a flat fee who is comfortable with a midwife and home birth.

The OB and hospital are there as a back stop.

With few complications, a low cost delivery should run 2-4K and you should be able to make payments on the balance.

I see that the OP has responded that they went through UT system and that is fine.
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Old 02-06-2012, 06:07 PM
 
8 posts, read 33,602 times
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Quote:
Originally Posted by loves2read View Post
dude--that baby was born already
thread is from 2011 and earlier
unless you live in the Scott White area you can't use that maternity care
loves2read,
I was not speaking to or referring to any of the personal stories in this thread. Yes, I know that the thread is a few years old and thanks for pointing out that Scott & White restricts you to their locations and network of doctors as someone else already mentioned that in this thread. I have been looking for maternity insurance options so that my wife and I will know what to do after our COBRA policy runs out. I was giving this thread a nice update so that people will know what to do TODAY if they are in our situation.

Lee W.,
About supplemental policies, I wanted to point out that Christian Healthcare Ministries has little or no restrictions on who you can see or where you can or need to see a doctor. I am not trying to advertise anything here, I just want to save people the stress of finding good maternity coverage options in Texas.

As for my story,
My wife and I did NOT get the Scott & White maternity health plan. We felt that it was too expensive per month and the deductible was too high. We went with another major medical insurance company that does NOT cover normal maternity conditions but DOES cover maternity complications. Also, she became a member of Christian Healthcare Ministries (CHM) to cover the expenses of normal birthing conditions that are excluded under our major medical insurance company. Another unique find with this organization is that they will help you cancel out your major medical deductible with only a minimal $500 household responsibility out of pocket per incident (pregnancy counts as one entire incident from pre to post). In other words, if you have a $5000 deductible, CHM will pickup $4500 of that deductible. This alone makes good justification for the extra $150/month expense of having CHM Gold Level membership. As I said before, they will pickup where our major medical insurance leaves off including out of pocket expenses.

Last edited by Austinite007; 02-06-2012 at 06:57 PM..
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Old 05-16-2012, 12:19 PM
 
1 posts, read 1,761 times
Reputation: 14
My husband and I have been married for a year and a couple months now, and are also talking about children in the very near future (within 2 yrs). I am a self employed hairstylist and am worried about taking time off for maternity leave. Because while I am out I still have to pay rent to the owner to keep my station area or I could lose my place of business. So I looked into AFLAC, and they have what is called "Hospital Confinement Indemnity Coverage". Which will pay $500.00 a day for 5 days (payed to me to do as I seem fit, bills, groceries, etc.) while I am in the hospital, and any day after the initial 5 will pay $100.00. If I am released sooner than my child, my child will receive the same benefits that I would if I had stayed in the hospital. You have to have the policy for 30 days before conception and a total of 10 months (includes initial 30 days) before birth of your child. There is also something about paying $200-$300 depending on how the child is born, natural or c-section. Coverage for myself is $45.76 a month....or $84.89 a month for myself and my husband, for him it will cover just about the same as it would for me, if he is to go into the hospital for any reason. There are other things too, but I just wanted to pass along a little of the info. I hope that this helps!!!

JennKruize
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