SelectHealth announced that, starting January 1st, 2010, they will be raising their maternity deductible from $6,500 to $7,500. Although this applies to employer sponsored group plans, groups may or may not choose to add better maternity coverage. This will primarily affect Utah’s individuals and families. The good news is, if you are already pregnant in 2009, SelectHealth will only hold you to the $6,500 deductible for this pregnancy.
This leaves only a few decent options when looking for insurance plans to help cover the costs of maternity.
Regence Blue Cross Blue Shield of Utah
As of now, Regence Blue Cross Blue Shield of Utah still offers a $5,000 deductible for maternity along with their individual and family plans. This can prove to be a good option for a family that is planning on a pregnancy in the future. It still remains to be seen whether or not Blue Cross will follow suit and raise their maternity deductible in 2010.
Assurant Health
Assurant Health has offered a variety of maternity deductibles with their plans in the past. They still continue to offer maternity deductible options of $2,500, $5,000, and $10,000. Although going with a lower maternity deductible can cost you, it’s a good option Assurant has on the table.
Altius & SelectHealth
Both Altius and SelectHealth have their maternity deductible set at $7,500 for individuals and families and it looks like it’s going to stay that way through 2010 and very possibly beyond.
HumanaOne
HumanaOne has a unique way of covering maternity charges for Utah individuals and families. Their plans don’t cover any normal maternity charges. However, complications of pregnancy are covered under your deductible and coinsurance specified by the plan you choose.
You can also look at supplemental plans to help you cover maternity expenses. For more information visit www.UtahMaternityInsurance.org.
