Major Medical Insurance with Maternity

[submittedviaemail]

Hello! My husband and I are in the process of looking at your quotes online and were curious about options for Maternity coverage. We would like to start trying to have a baby sometime this summer we are currently not pregnant). I am a teacher at a private school and the insurance they offered was too high. My husband is a Seminary student and works part time at a church. So, we ventured out and found insurance with Humana One, which will end in May. However, we dont want to renew with them with Maternity for it would cost $500.00 a month and we would appreciate something lower. I hope you can help us!

I am located in Texas.

Thanks,

[narendra]

Look at HTH Global Citizen plan which is underwritten by Unicare and provides maternity coverage.

All the details are provided at http://www.insubuy.com/hth/globalcitizen.jsp

Please let me know if you have any other questions.

[submittedviaemail]

Hello! Can you explain a little more to me about the Global Citizen Elite Plan?

I see this: Deductible -- Outside U.S. Deductible -- U.S.(In Network) Deductible U.S.(Out-of- Network) Coinsurance Maximum Quote
(per month)
Elite Plan: $0 $0 $1,000 $2000 $486.00


So, does that mean we would have a $0 deductible if we paid the $486.00 a month (we would probably pay in full for one year). However, when I look on the details page it says under U.S. in Network (which my doctor and possible OBGYN are included in) "Physician Office Visits (Adult) All except a $30 copay per visit...which I can deal with but then Women: (25 and Older) Routine Pap Smears, annual mammogram, Maternity and other listings say, "80% to Out-of-Pocket Maximum then 100%" so what does that mean if we would have an $0 deductible? My other question is does this plan have a wait to conceive period for we would like to start trying this summer?? Please, let me know!

[narendra]

That means, for those conditions, you will have to pay 20% of the expenses until you pay $2000 out of your pocket. (In other words, 20% for first $10,000 of covered medical expenses.) After that, insurance company will pay 100%.

Please let me know if you have any other questions.

[submittedviaemail]

So, why have a $0 deductible if I still would have to pay 20%?

[narendra]

Deductible and coinsurance are two separate things.

Deductible is the amount you have to pay first before insurance company will start paying anything at all.

If you choose $500 deductible, you have to pay that first before insurance starts. Then, you have to pay 20% until you pay $3,000 out of your pocket. (That is 80/20 for first $15,000 of medical expenses.)

Please let me know if you have any other questions.

[submittedviaemail]

Does this company have a wait to conceive period?

Can I see online if my current doctor accepts this insurance?

[narendra]

1. Yes, one year.

2. Yes, click on Provider Directory at http://www.insubuy.com/hth/globalcitizen.jsp

[submittedviaemail]

Hello! I was curious as to which plan you would truthfully recommend for us...keep in mind I am a teacher and my husband is a graduate student and part-time church employee. We obviously want the best coverage but do not want to be paying an arm and a leg!! Please help us!

[narendra]

If you want maternity covered, HTH Global Citizen is the most recommended and most popular plan.

Next is Humana which you already have/had. Humana is available at http://www.insubuy.com/health/humana/individual/health-insurance.jsp