Health Insurance with maternity coverage in Texas with pre-existing conditions (income, business)

[CarnivalGal]

Originally Posted by Austinite007

I wonder how many people put off creating a family because they cannot get good health insurance coverage or cannot afford to pay out of pocket for it even at a place that is intended for the uninsured.

Um, every responsible person I know (myself included) has put off creating a family until they could afford to do so. I thought that's what you're supposed to do.

[Austinite007]

Originally Posted by mm57553

Um, every responsible person I know (myself included) has put off creating a family until they could afford to do so. I thought that's what you're supposed to do.

Yes, I agree that is how things should be handled. I did not consider doing so until things were in order in the line of finances and health insurance. It might seem crazy to some to put off creating or adding to a family because of the lack of full health insurance coverage for pregnancy/maternity/complications but frankly I was too scared to do it without full insurance coverage.

What I meant was I would like to know some statistical numbers as to how many people put off becoming pregnant because of the lack of full health insurance coverage for pregnancy/maternity/complications. To my surprise there are some people I have meant who are having children without maternity insurance but have coverage for pregnancy complications. In other words, if you have a normal healthy birth process, you end up paying 100% out of pocket but if there is any complications they are solely covered under that type of policy. This is where Texas falls short on individual coverage if you can even get accepted into a health insurance policy.

[sampathecd]

It is very important thing give a insurance with maternity coverage. maternity is greatest thing in the world. so Health Insurance texas gives great insurance for us because there maternity coverage. We don't wont fear anything else because protect maternity. I Think This is a Great affect of yours . thank you texas.

[stan4]

Most obgyns will charge you a flat fee for maternity. We were quoted $4000 for everything.
Same with the hospital. And you have other options including midwives and birthing centers.
If you cannot afford this, you are telling me you can afford a kid?
Spare me, please.

[stan4]

Originally Posted by mm57553

Um, every responsible person I know (myself included) has put off creating a family until they could afford to do so. I thought that's what you're supposed to do.

This.

We waited till we had both the time and the money.

[ATX Wahine]

This thread was an eye-opener for me. I consider myself extremely fortunate in that I've had group coverage at every job I've had since college. I realize how lucky I have really been now. I had my child while covered by Kaiser Permanente and paid $10 for each prenatal visit and $75.00 total for delivery service. Having never been in an independent market for insurance, I simply never considered maternity coverage as an 'extra'. All reproductive services were covered with the 3 different plans I've had throughout my adulthood and I wrongly assumed this was just a standard benefit.

With that in mind, my heart goes out to those finding themselves in this situation. Family planning is key, but is not 100% effective. Pregnant women in Texas are seeing fewer choices than ever for them to ponder, so as I now consider the difficulty of many people in obtaining maternity coverage, I really do empathize with those caught in that unfortunate situation.

[HappyTexan]

Originally Posted by Nor Cal Wahine

This thread was an eye-opener for me. I consider myself extremely fortunate in that I've had group coverage at every job I've had since college. I realize how lucky I have really been now. I had my child while covered by Kaiser Permanente and paid $10 for each prenatal visit and $75.00 total for delivery service. Having never been in an independent market for insurance, I simply never considered maternity coverage as an 'extra'. All reproductive services were covered with the 3 different plans I've had throughout my adulthood and I wrongly assumed this was just a standard benefit.

With that in mind, my heart goes out to those finding themselves in this situation. Family planning is key, but is not 100% effective. Pregnant women in Texas are seeing fewer choices than ever for them to ponder, so as I now consider the difficulty of many people in obtaining maternity coverage, I really do empathize with those caught in that unfortunate situation.

That problem has been solved. Maternity/newborn and pediatric services are now essential services every plan has to have (unless grandfathered).

All plans will cover maternity/newborn/pediatric services .

And even though you only paid $75 out of your pocket that was not the actual cost to have a baby.
Did you ever wonder who paid the rest of your bill ?

[ATX Wahine]

Originally Posted by HappyTexan

That problem has been solved. Maternity/newborn and pediatric services are now essential services every plan has to have (unless grandfathered).

All plans will cover maternity/newborn/pediatric services .

And even though you only paid $75 out of your pocket that was not the actual cost to have a baby.
Did you ever wonder who paid the rest of your bill ?

The monthly insurance premiums that I paid went into Kaiser Permanente's fund to provide care for its insured members. Am I at fault somehow for not analyzing this exchange of money-for-services-rendered more deeply than that?

[zhugeliang1]

I don't know why, but after reading threads like this I don't know how anyone can live in this country.

[testmo]

Lets face it womens issues are expensive and they still typically leave the workforce after a child for extended periods of time sometimes permanently. Insurance is a business. They should not be forced to provide coverage for women who may become pregnant at some point. Children are expensive and thrive in 2 parent homes. If you plan on having a child you should be married and the man can add his wife as a dependent on his insurance to cover maternity. If you are female and unmarried with household income under 100k you dont get pregnant. If you cant handle that than you should remain a virgin until a man chooses you. Other countries are able to have universal coverage and inexpensive maternity and neo natal care while providing ridiculous things like maternity and paternity leave because of stuff we dont know about but clearly dont want. Families are not important but are very very important. How difficult is that to understand