| So, you live in Utah and you're looking to expand your | | | | of doctors to go to. They also follow the networks of |
| family and you don't have coverage through an | | | | Assurant, so make sure you doctor hospital privileges |
| employer. You need to know what your options are | | | | aren't at a IHC facility. |
| and how you are going to afford to have this child but | | | | Altius also offers coverage, but they have the highest |
| also not break the bank paying the premiums. We are | | | | deductible at $7,500. |
| going to cover what you can do to make sure that | | | | Hospital indemnity plans are also an option. Since your |
| this baby has the best possible insurance for the least | | | | health plan make not kick in until a certain deductible, |
| amount of dollars. One of the things to remember as | | | | how can you get covered without breaking the bank. |
| we go through your options is that because | | | | That is where these types of plans come in handy. |
| Intermountain Healthcare facilities only take | | | | These plans will help cover the costs you incur while |
| SelectHealth on an in network basis, if you choose a | | | | admitted to the hospital for child birth. That way, to help |
| doctor that only has privileges at a IHC facility, your | | | | meet your maternity deductible on your health plan, the |
| only real option is SelectHealth insurance unless you | | | | indemnity plan pays it for you. So, you will still incur the |
| choose a different doctor. | | | | OB/GYN visits during pregnancy, but the real |
| The next thing we need to talk about which carriers | | | | expensive ones on the hospital get covered. So, as an |
| cover maternity here in Utah and how they cover it. | | | | example of how this type of coverage would work, |
| First we'll deal with who doesn't. Currently, HumanaOne | | | | let's use it in conjunction with a SelectHealth plan. You |
| does not cover maternity at all. The only real option | | | | get pregnant and you start your prenatal visits with |
| with them is to use one of their HSA option plans and | | | | your OB/Gyn. These visits will come out of your |
| combine that with a hospital indemnity plan (which we | | | | pocket, but will count towards your deductible. The |
| will discuss later). Otherwise, they will not cover | | | | ultrasounds and lab work will also be paid out of |
| anything other than complications with the delivery. | | | | pocket and then count towards deductible as well. |
| SelectHealth will cover the pregnancy and delivery but | | | | Then labor strikes and you are admitted to Utah |
| only after a separate $6,500 deductible for maternity. | | | | Valley. The indemnity plan then would kick in and cover |
| But obviously with the amount of doctors in network | | | | the charges incurred while you were there, but at the |
| for them and since their parent company, Intermountain | | | | same time, the costs paid by that plan would also go |
| Healthcare (IHC), is the largest health provider in the | | | | toward your SelectHealth deductible. Once you |
| state, they always have to be looked at. They too will | | | | reached $6,500 in expenses paid, your SelectHealth |
| always cover complications as part of their regular | | | | plan would kick in and cover the rest of the charges. |
| health coverage. The one thing to remember with | | | | Sounds pretty easy right? There is more to it than that, |
| SelectHealth is that they will also only cover maternity | | | | so do speak to an expert so they can walk you |
| in their own Intermountain Healthcare hospitals on an | | | | through what to do. |
| in-network basis. So, they will cover you in network at | | | | Now, what can you do if you can't afford any of the |
| American Fork Hospital but not at St Marks in Millcreek. | | | | options? In the state of Utah, they have a great |
| Assurant will have the best coverage as far as | | | | Medicaid program that will help cover all of the costs |
| deductible is concerned here. They have as low as a | | | | you incur. And with some flexible options to qualifying, it |
| $1,000 maternity deductible. That means that after you | | | | is always an option to look into. Utah's Medicaid covers |
| pay $1,000 towards maternity care, your coverage will | | | | everything from the prenatal visits to labor and delivery |
| then kick in. Now, the only real problem is that your | | | | to even C-sections if needed all the way to the follow |
| premiums are going to be very high since they know | | | | up visits with a pediatrician. |
| that with that low of a deductible that you are definitely | | | | The most important thing to do is to speak to an |
| going to use the coverage. Since the birth of a baby | | | | independent health insurance agent in Utah to help you |
| can cost anywhere between $6,000 to over $10,000 | | | | sort through all of the confusion in what might be the |
| depending on complications or C-section, you can see | | | | right plan for you. Because they specialize in only |
| that if the premiums weren't more, the insurance | | | | health insurance in Utah, they know what carrier and |
| companies would go broke trying to cover it all. Same | | | | plan options will fit your situation. They will help you find |
| thing goes for Assurant, but opposite of SelectHealth. | | | | out if your doctors privileges are at a Mountainstar |
| Their coverage is good at non-Intermountain | | | | hospital, an IHC facility or even an independent facility |
| Healthcare hospitals, like St Marks or Orem | | | | like University of Utah Medical Center. And best thing is |
| Community, but not at the IHC facilities like | | | | that they don't cost you one extra penny to help. |
| Intermountain Medical Center in Murray. | | | | Whatever you choose, good luck with the family |
| Regence BlueCross BlueShield has a $5,000 deductible | | | | expansion. It may be a slightly stressful time, but it is |
| for maternity coverage and also has a great network | | | | definitely worth it. |