Send a Tweet
Most Popular Choices
Share on Facebook 1 Share on Twitter Printer Friendly Page More Sharing
OpEdNews Op Eds   

Maternity / Pregnancy Insurance Options in North Carolina

By       (Page 2 of 4 pages) Become a premium member to see this article and all articles as one long page. (View How Many People Read This)   No comments

1. Medicaid maternity coverage. Visit the state website for application instructions and income eligibility requirements.

2. Group maternity insurance coverage. This is often the most advantageous way to pay for maternity costs because many group policies cover maternity for all females on the policy without an additional rider. Also, if you are already pregnant and don't meet the income requirements for Medicaid, this is your best shot at getting your pregnancy covered by an insurance company. Additionally, some group policies do not consider pregnancy a preexisting condition, so this is a good option to consider if you are already pregnant.

After the charges have been submitted to the insurance company, it is worthwhile to ask the hospital if you can get a discount by paying the deductible in full as opposed to making payments over time. I am aware of instances where the deductible has been discounted for a prompt payment in full.

3. Individual maternity insurance coverage with Blue Cross Blue Shield. At the date of this writing, I am only aware of one individual health insurance company in North Carolina that offers coverage for maternity. The company is Blue Cross Blue Shield and the policies are Blue Advantage and Blue Options HSAsm. I am not aware of any individual health insurance policy that will cover you after you are already pregnant. HumanaOne previously offered an individual maternity policy, but has since discontinued it. I am generally skeptical of small health insurance companies, if you are even able to find one that offers maternity, because they are often on tight budgets and as a result their policies often contain ungainly loopholes.

Next Page  1  |  2  |  3  |  4

 

Rate It | View Ratings

David Goebelt Social Media Pages: Facebook page url on login Profile not filled in       Twitter page url on login Profile not filled in       Linkedin page url on login Profile not filled in       Instagram page url on login Profile not filled in

David Goebelt has been a licensed health insurance agent with Blue Cross Blue Shield for the past four years, two of which were spent brokering health insurance between multiple companies. He has a bachelor of science in economics and employs cost (more...)
 
Go To Commenting
The views expressed herein are the sole responsibility of the author and do not necessarily reflect those of this website or its editors.
Writers Guidelines
Contact AuthorContact Author Contact EditorContact Editor Author PageView Authors' Articles
Support OpEdNews

OpEdNews depends upon can't survive without your help.

If you value this article and the work of OpEdNews, please either Donate or Purchase a premium membership.

STAY IN THE KNOW
If you've enjoyed this, sign up for our daily or weekly newsletter to get lots of great progressive content.
Daily Weekly     OpEdNews Newsletter
Name
Email
   (Opens new browser window)
 

Most Popular Articles by this Author:     (View All Most Popular Articles by this Author)

Maternity / Pregnancy Insurance Options in North Carolina

How to Compare Health Insurance Plan Deductibles

To View Comments or Join the Conversation: