Q&A: My wife doesn’t have maternity insurance, how early do we need to start our policy before she is pregnant?

Question by djamesart: My wife doesn’t have maternity insurance, how early do we need to start our policy before she is pregnant?
We don’t have any health insurance however sense we are about to start a family we want full coverage for maternity. She is planning on becoming pregnant in mid February to mid March. Also we want a policy that she can choose a really good doctor and hospital. Also we are curious to know what the monthly payments should be and if we would have any outside expenses beyond these payments. Can anyone help us with these decisions.

Thank you.

Best answer:

Answer by g8grl77
What I understand is that as long as you have credible coverage with no restrictions on the policy at the time it goes into affect than you can get pregnant the day after the policy goes into affect…just make sure you have coverage BEFORE you try to become pregnant or they deny it as preexisiting.

As far a monthly pmts for my ins coverage it is $ 180 a month to cover me and my husband…and maternity benefits cover everything but a 1 time $ 20 copay and 10% off the total cost of treatment…so I will pay $ 300 out of pocket to have our daughter.

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5 Comments to “Q&A: My wife doesn’t have maternity insurance, how early do we need to start our policy before she is pregnant?”

• December 15, 2010 at 2:07 am
  m0mmy.2.bE says:

  I’d start is ASAP, because Insurance companies are famous for denying you coverage or dropping your coverage because they consider pregnancy a “pre-existing” condition.

  Reply
• December 15, 2010 at 3:01 am
  mommyto3rugrats says:

  Start insurance however long before that you want. wait until the last minute if you want!
  The monthly payments all depend on how much your insurance covers and how much the costs are at the dr you choose. with my girls my montly visit was 40 and my insurance covered 90%.
  there are always outside expenses. be sure to set back money for anything that might pop up.

  Reply
• December 15, 2010 at 3:33 am
  Just Me says:

  Do either of you have insurance available through work? I’d start there.

  If insurance through your work is not an option, or at least not a good option…..then I would start by contacting a local OBGYN or midwife if she doesn’t already have one and ask them if they have any information on maternity insurance. I’ve noticed at my OBGYN’s office pamphlets that say “pregnant and have no insurance?” written on the front.

  Good luck!!!

  Reply
• December 15, 2010 at 3:42 am
  babyonboard says:

  It all depends on which insurance company you go through. My insurance company it is 3 months you have to have the coverage or it is considered a pre exsisting condition.

  As far as payments go it is normally around $ 240+ a month for full coverage w/ maternity, but it really depends on which insurance company you chose. You can get free quotes online. Try bluecross/blueshield or united healthcare.

  Good luck.

  Reply
• December 15, 2010 at 4:18 am
  Alyssa says:

  Well… in all honesty… Health insurance is expensive if you don’t qualify for state aid. It also depends on numerous things like whether it is an HMO or PPO plan and how many members will be covered. I am in the Human Resource field and deal with insurance matters on a daily basis. If you don’t work for a company that offers health benefits and need to branch out on your own, my suggestion is to research health plans available in your area and try for the most common one in your area because chances are, if they are popular in your area, many physicians in your area will accept their coverage. Secondly, calculate how much you will be able to afford on a monthly basis. Family coverage can be anywhere between $ 500-$ 2000 per month. I know it seems like a big gap, but again, it all depends on whether it is HMO or PPO (HMO generally covers 100% of nearly everything as long as you stay within their network, and PPO covers 70-90% but you have flexability to use any doctor you would like without a referral). I know this seems like a lot to think about but your other route, though I don’t suggest it because it is not a guarantee, is to wait until your wife gets pregnant and have her apply for state health aid like Medicare for only her and the baby. I will be glad to give you more information if you need it. Feel free to email me.

  Reply