We work with the best insurance brokers in Utah to offer you the very best products and service in the market. We are not the insurance company, nor do we offer insurance ourselves. We simply pass on your request for further information to these highly qualified, licensed agents in your area. The Maternity Benefits described on this site are compiled from interviews with these agents and feedback from people like you over the years. Although we believe the information to be of the highest quality, we take no responsibility for you use or misuse of it if you fail to use our qualified insurance brokers we recommend.  The following is not an offer of insurance, but is offered for informational purposes only. Use our professionals to get the answers you need to make the right decision for you and your family.  Get a quote now!

So why are you here again? Don't panic. Supplemental Health Plans can cover many different types of medical hospital stays. Although they cover all kinds of hospitalizations, they just so happen to also cover maternity - but some of the plans have a 10 month waiting period meaning you must deliver sometime after being on the plan for 10 full months. The companies that offer supplemental plans change now and then.  Some have recently decided not to offer these hospital indemnity plans any longer (Aflac, Assurity, AHL, Allstate, Time, Conseco and Fidelity Security Life to name a few!)  The agents we work with constantly scour the market to see what plans work best with the insurance plans offered.  Study your insurance policy contracts for limitations, exclusions and details.

Submit your real life example here

Note: The cases submitted here are not presented as a specific recommendation or plan for readers of this forum. They are offered as a real life example and the facts are submitted by readers. We are not responsible for your use or misuse of the information presented. Read your health insurance contract carefully and consult with a licensed insurance broker to get the right health and hospital indemnity plans for your specific needs. We can get you all the information you need by clicking here.  This most recent case was submitted by Susan & Mike (names changed for security:) of Murray Utah on May 3rd 2010. Thanks!

Background
Susan and Mike are both 28 years old and they want to have another baby. They live in the Salt Lake Valley and Mike is self employed. Susan stays at home and cares for their 2 children ages 5 & 3. They have always had normal deliveries, so they expect to have another normal 2 day stay in the hospital with no complications.

They have a private health insurance plan for which their premiums have now risen to over $550/month. They have had the plan for 5 years and like it, but it is pretty pricey now. It has a $1,000 deductible for medical but a $7,500 maternity deductible (separate and distinct from their medical deductible). It then pays 100% of their maternity bills after the $7,500 is met. But they also realized that the baby will also be charged a medical deductible and coinsurance as soon as they are born.

They did some research guided by their insurance broker whom they were guided to through this site.  Andrew ran through their situation and between the three of them determined the following costs for their contemplated future maternity.

They like the HSA concept, but apparently there are no private HSA plans that cover maternity.

Estimated Current Plan Maternity Costs
Monthly Premium: $550/month
Normal Delivery Cost Estimate: $7,500
Baby Costs (Nursery Charges, etc) $1,500
Total Cost Estimate: $9,000

What they did
Contact us to find out how! :) or call (801) 999-8504

Estimated New Plan Maternity Costs
Total Monthly Premium: $256/month (Savings of almost $300/month)
Normal Delivery Cost Estimate: $5,500
Baby Costs (Nursery Charges, etc) ZERO (Covered in mom's stay)
Total Cost Estimate: $5,500 (Savings of $3,500 over old plan)

Total Savings over 1 year:  $7,100
($300 x 12 = $3,600 + $3,500 maternity savings)

Supplemental Plans "to the rescue"
Their broker put a plan together to help them with their larger deductibles using a combination of accident plans and a hospital indemnity products.  They chose a set of plans that cost them just over $209/month which give them the following:

Family Accident Coverage
$10,000 benefit is paid per accident per person for each accident. They only have to pay a $100 deductible per accident, then the coverage picks up the rest of the bill for them. So the result is if they had, say a $20,000 (or even a Million dollar bill) from an accident, their supplemental plans below would kick in and pay them thousands of dollars for the hospital stay resulting from an accident.

Hospital Indemnity
Susan: gets $1,000 for being admitted in a hospital, and $1,000 / day. She gets $2,000 / day in the ICU.
Mike: gets $1,000 for being admitted in a hospital and $1,00 / day. He gets $2,000 / day in the ICU.
(Note, they could have put Susan and the children on a plan without Mike for $145/mo)

Summary
They saved $3,600 in premium over the next 12 months, and will save another $3,500 when they deliver a baby (compared to their current plan). They will reallocate that money to purchase supplemental plans for $209/month - for a total monthly outlay of much less than they are paying now paying now. They have an ICU benefit, and accidents covered 100% after a $100 deductible. And now they have an HSA account set up that will give them tax savings in the future.

Submit your real life example here

Note: The cases submitted here are not presented as a specific recommendation or plan for readers of this forum. They are offered as a real life example and the facts are submitted by readers. We are not responsible for your use or misuse of the information presented. Read your health insurance contract carefully and consult with a licensed insurance broker to get the right health and hospital indemnity plans for your specific needs. We can get you all the information you need by clicking here.