Maturnity Insurance? BCBS of Florida?

Question

We are about to begin the process of making a baby and have private insurance threw Blue Cross Blue Shield of Florida. The thing is we didnt sign up for Maturnity care at the begining. We can add it, but will it cover the pregnancy if I didnt get it from the beginning of the policy?

I cant seem to find that qustion on thier site so thats why I am asking here.

Thanks for all who can be of some help.

Answer 1

Call the number on your insurance card. They will want your policy or customer number. The info won't be on their site because their policies differ, so there is not a singular answer. So you need to find out about your policy in specific. Be aware that there may also be a waiting period before you can have the pregnancy covered. So make sure you know the answers before you get pregnant.

Answer 2

I'm in VA but with Anthem in VA you can't just add maternity anytime. You can only make changes to your policy at renewal.

But if you change plans you can add maternity anytime.

The maternity waiting period is different for each state in VA it is 6 months in FL the maternity waiting period is 30 days, which means you have to have the maternity coverage in effect for 30 days before conception.

The cost of maternity on the Blue options plan is $109 per month with a $1,500 maternity deductible and $74 for a $2,500 deductible. Then it's 50% coinsurance on the rest.

It's not much of a deal you are really just prepaying for the delivery.

You may want to check out an Assurant HSA with Maternity.

Answer 3

Sure, but you usually have to have it 9 months BEFORE conception, for the pregnancy to be covered.  So you have to pay 18 months before you give birth, effectively.

That's because usually only the people who want to use it, buy it - so there has to be a waiting period so the insurance companies don't go broke.