The Best Deal in Maternity Coverage We Have Ever Found
We can now offer you a new, cost-effective products from an top rated insurance companies that will cover a substantial amount of your maternity expenses. These are the best deals we have ever come across for assistance with maternity costs.
Do you want a way to cover most of your maternity costs without spending a fortune? This web page will offer you some very low cost options to cover a large portion of your maternity expenses.
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No waiting periods (as long as you are not pregnant before the plan begins) |
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Low cost |
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No need to cancel your present health insurance |
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Use and doctor and any hospital - No networks |
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Top rated companies |
If you want a low cost alternative to high priced, limited maternity plans, the answer might be through the use of medical supplements.
We have a number of different plans that can be used by themselves or combined together for high levels of reimbursement.
These plans cover maternity expenses the same way they would cover any other medical condition. They are not specifically for maternity.
Keep in mind that each plan has its own claim form and you (or your provider) will need to submit each claim separately.
Each of these plans is an indemnity plan. This means that you are paid out at fixed amounts for various events.
An event can be a doctor visit, a hospital stay, a laboratory test, a surgical procedure and so forth.
For example, if a plan paid out $75 for a physician office visit five times per year, you would be paid $75 for each of those visits. It would not matter which doctor you used, why you went or what the bill was. The plan does not care as long as it is a legitimate visit.
The same is true for a hospital stay. Each of our plans pays out a certain amount per day for hospitalization. Again, they do not care if you are having a baby or having your tonsils out. A hospital stay is a hospital stay, period.
Since these plans are all from different companies, you can have more than one and submit the claim form to each of them. I recommend that if you do buy more than one, you pay the provider and submit the claim on your own.
I think you will be surprised as to how much each of these plans pays out.
How Much Does It Cost To Have a Baby?
We get asked this question every day. The answer is "only a small fraction of what it costs to raise a baby."
Some people tell me that they had a normal delivery and it cost $20,000. That is a lot of rubbish. The costs can be broken down as follows:
1. Physician charges
2. Hospital delivery charges
3. Anesthesia
4. Nursery care
The actual charges vary from hospital to hospital. Here is what you need to do. You need to call up your local hospital and inquire about their fixed rate or prepaid rate for delivery. Call a few hospitals if you can. They all have special deals because so many people do not have maternity coverage.
In my area, a physician charges about $3500 for pre-natal and normal delivery. The hospital can be bargained down to about $2500. Then add on miscellaneous charges. If you were guessing, it would be between $7,000 and $9,000 for a normal delivery.
But, do call the hospital and shop this around.
Here are the plans we offer. There are links to download brochures and forms for each one.
Plan 1 – HI2200/Level 5
This is a fairly comprehensive supplement and covers a lot more than just a hospital stay or doctor visit. But since we are most concerned about maternity, I will give you the highlights of the benefits you might use.
| Physician Office Visit |
$75 for 5 visits per year |
| Hospital Stay |
the first day in the hospital you are paid $1,500 and then $500 for each day afterwards. This same amount is paid for a newborn. That means that two days in the hospital for mother and child will get you $4,000 for hospital expenses. |
| Surgical |
there is a surgical schedule that pays out for either a normal or c-section delivery. We do not have exact amounts. It is estimated that it would be about $200 for a normal delivery and about $500 for a c-section. |
| Imaging |
the plan will pay $100 for an imaging test (i.e. sonogram) |
| Monthly Cost |
(17-24: $60.45/month), (25-34: $68.70/month), (35-44: $89.90) |
| To Apply |
Download the brochure and forms with this link. Maternity Supplemental Plan
All forms must be faxed or mailed back to me. |
If you are in the hospital for two days the HI2200 Level 5 plan pays you $2,000 plus surgical allowance and for some doctor visits and tests as well. If you look at the monthly costs, you come out way ahead. |
Plan 2 – Fusion 2
This low cost plan can be combined with Plan 1 (the HI2200) but not the NPX4. As with the HI2200, this plan has many other benefits including access to the BeechStreet network. This gives you the discounted network rate for all medical services from network providers.
| Hospital Stay |
plan pays out $600 a day for hospitalization. This amount is paid for mother and new born. So, it is possible to be reimbursed $2,400 for a two day stay. |
| Physician Office Visit |
$50 per visit for 5 visits per calendar year (you get another 5 visits after December 31st.) |
| Monthly Cost |
$97.00 |
| To Apply |
Online brochure and Enrollment with this link. Mini-Medical Plan that Covers Maternity. Apply online at site. |
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Plan 3 – AWA NPX4
This is a much more expensive plan ($329 a month) but has much more extensive coverage. Generally, we use this plan for someone who cannot qualify for major medical insurance.
| Hospital Stay |
the first day in the hospital you are paid $2,000 and then $1,000 a day after that.
But, and this is important, the newborn is paid the same amount. Therefore, a two day stay will give you $6,000 in reimbursement and $8,000 for three days. |
| Surgical |
surgical rider and will pay various amounts depending on type of delivery |
| Physician Office Visit |
$75 per visit for 5 visits per calendar year (you get another 5 visits after December 31st.) |
| labs |
$125 per lab for 3 labs per calendar year (you get another 3 labs after December 31st) |
| Monthly Cost |
$329 |
| To Apply |
Online brochure and Enrollment with this link. Mini-Medical Plan that Covers Maternity. Apply online at site. |
Is this plan worth it? Unless it takes you a very long time to become pregnant, you will get back a lot more than you pay in premiums.
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Please Read
These are all indemnity plans and you can combine some of them together for additional coverage. You can also use them if you have a high deductible health insurance plan to pay for your out of pocket expenses.
If you have questions, you should call me. But, please take a minute and use the links to examine the plans first.
If you are in a state other than Florida, give me a call, we have plans for other areas.
Thank you
Martin Unger
800-272-0512
If you would like a personal quote give me a call. I am here from 9 AM to about 8 PM. You can reach me at 800-272-0512.
FLQUOTE.COM - A Full Service Insurance
Florida agency
Coral Springs, Florida 33076
1-800-272-0512
1-954-757-0033
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