Question #3: Is Maternity covered

 Question #3: Is maternity covered

In the state of Utah I hate to say maternity as of right now is not covered very well in the individual market. Most policies have a $7500 separate deductible for maternity or are not covered at all. If you are thinking about having a baby I would highly recommend looking at an HSA plan. The reason for this is a normal pregnancy is not going to cost $7500. If you make arrangements with a hospital when you find out your are pregnant and if you are willing to use a mid-wife you can negotiate the cost to under $4000. If you use money from your HSA that is money that is tax deductible so it brings down the effective out of pocket cost. Once the baby is born they are automatically covered under your policy so if the baby has any problems the cost will go towards the deductible. Since the passage of the Affordable Care Act baby wellness visits are also now covered no deductible no co-payment. 

Question #2 of 9 you should ask when you are purchasing health insurance

Question #2: How much total could I be responsible for each year if the worst case scenario happened

It is important to ask if the deductible you choose is times 2 or 3 people in the family and if the deductible counts towards your out of pocket limit for the year or is it separate from the deductible amount.

This can make thousands of dollars difference to you in the event that more than one person needs the insurance in any one year. It does also effect you if you are the only one on the insurance just not as significantly.

9 most frequently asked questions are the 9 most important questions when buying health insurance

The next 9 posts will be a list of the 9 most frequently asked questions by clients when they are buying their health insurance. These same questions are the questions you want to be sure to ask your agent or broker when you are looking to purchase health insurance.

Question number #1: Do I pay any extra to use an agent or broker

The answer had better be NO. Insurance premiums are regulated by the Department of Insurance, which means you pay the same amount for your insurance weather you go through an agent or go direct through the carrier.

The thing to keep in mind is, if you are using a broker which is what I would suggest you do since they carry numerous plans. The broker's job is to find you the best plan for your particular needs they have no vested interest in selling one plan over another unless it is the best for you.

You should also never pay a fee to an agent or broker to go over options, they are paid by the insurance company.

Do you suffer from cracked heels on your feet?

If so you should talk to your Dr about getting treated for a Fungus, that is the real cause of cracked heels.

In my opinion you will have better luck going to an Integrative Dr, they are more likely to be up on these kinds of things.

The reason I know this is actually a fungus is because I am being treated for it. There are studies out there according to my Dr.  that Rheumatoid Arthritis is caused by having a long term fungus. I had the cracked heels so that was a sure sign to my Dr that I do in fact have a fungus. I am hoping that clearing that up will help me be able to stay pain and inflammation free just a little easier and maybe even reverse it. We will see, I will keep you posted.