Log In Sign Up

Maternity coverage.. am I understanding this right?

Welcome to the JustMommies Message Boards.

We pride ourselves on having the friendliest and most welcoming forums for moms and moms to be! Please take a moment and register for free so you can be a part of our growing community of mothers. If you have any problems registering please drop an email to boards@justmommies.com.

Our community is moderated by our moderation team so you won't see spam or offensive messages posted on our forums. Each of our message boards is hosted by JustMommies hosts, whose names are listed at the top each board. We hope you find our message boards friendly, helpful, and fun to be on!

Reply Post New Topic
  Subscribe To 2012 Playroom LinkBack Topic Tools Search this Topic Display Modes
January 23rd, 2012, 12:11 PM
3Sapphires's Avatar Platinum Supermommy
Join Date: Feb 2008
Location: the mountain state
Posts: 11,860
We pay through the nose for our insurance (well actually DH's employer pays 70%), mostly because I knew I wanted more kids and wanted good coverage.

So we don't have a deductible = yay!
My copay for prenatal care is $30 = yay (maybe? not sure if I will have to pay this every visit or not, with our previous insurance I only had to pay for the first visit.)

and a 0% coinsurance for the hospital stay - does this mean it is covered 100% I am thinking it does since out of network would be 20% coinsurance, but I want to make sure I am getting this right...

FF Chart**CrazyAmiCrochet**
Missing Our Angels gone too soon 6/5/10 (9wks) & 3/1/14 (9wks)
Chemical Pregnancy 5/31/15
Adam Michael 9/22/06 (c-section)~Nathan Joseph 9/4/08 (VBAC)~Lincoln Thomas 9/5/12 (VBAC)

Reply With Quote
January 23rd, 2012, 12:16 PM
Moldovandish's Avatar Mega Super Mommy
Join Date: Mar 2007
Location: Raleigh, NC
Posts: 4,602
With the hospital stay, does it say somewhere in the policy that 100% is covered? It sounds like it does, but you might want to double-check the language.

In my policy it says that the prenatal care one-time copay is $30. So if it's not clear in your document if it's one-time or not, then you might want to call the insurance company to clarify.

Baby Caleb - born on Sept. 15, 11.31 pm, 8 lb. 15 oz.
Reply With Quote
January 23rd, 2012, 12:24 PM
Lyz's Avatar
Lyz Lyz is offline
Platinum Supermommy
Join Date: Jan 2009
Location: Delaware
Posts: 6,250
Sounds like there isn't a copay but it may not be covered 100%. I would double check with your insurance company. I had great insurance with my duaghter but still ended up paying $800 after all was said and done. I didn't have a co-pay for my hospital stay either.

Oh, and I had no copay for my prenatal visits.

Reply With Quote
January 23rd, 2012, 12:37 PM
Mega Super Mommy
Join Date: Oct 2009
Posts: 4,065
I would check with the insurance company too, there's always fine print stuff that might be confusing.
Reply With Quote
January 23rd, 2012, 01:58 PM
beginswithb's Avatar Veteran
Join Date: May 2010
Location: Ohio
Posts: 298
Definitely call the insurance company! I'd rather hear things laid out for me than assuming. I called mine today just to have them tell me what's covered, what isn't and what I will pay.

Reply With Quote
January 23rd, 2012, 06:07 PM
twoboys's Avatar photography co-host!!
Join Date: Feb 2009
Location: Holly Springs, NC
Posts: 13,018
yes, if your in doubt at all call your insurance company!! Sounds like you have a pretty good plan though!
Reply With Quote
January 23rd, 2012, 06:48 PM
JulieMc's Avatar Loving my babies. :)
Join Date: Nov 2008
Posts: 9,004
Lucky duck. That's how our plan was with my first baby...except, I didn't have to pay any copays. It was 100% covered. Then the employer changed insurance cos. and we got a crappier plan. This time I'm responsible for 10% coinsurance on everything...

Reply With Quote

Topic Tools Search this Topic
Search this Topic:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

All times are GMT -7. The time now is 03:11 AM.

Powered by vBulletin® Version 3.8.9
Copyright ©2000 - 2017, vBulletin Solutions, Inc.
Search Engine Optimization by vBSEO 3.6.0