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.
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