Maternity Coverage – NCHealthPlans.com Health News

Blue Loves Babies – Pregnancy Coverage

Kristen Baily — Wed, 15 Oct 2014 19:22:04 +0000

Having a baby is stressful enough without added financial pressure and that is why Blue Cross Blue Shield of North Carolina is proud to offer maternity care at no additional charge. In the past, many insurance companies could turn a woman down if she applied for coverage while she was pregnant and many health plans considered pregnancy a pre-existing condition. Under the Affordable Care Act, however, all qualified health insurance plans now cover pregnancy and childbirth and this is true even if your pregnancy begins before your coverage takes effect.

What this means is that BCBSNC will not increase your premium based on your sex or health condition, including conditions such as pregnancy. Blue Cross Blue Shield of NC is committed to Women’s Health and that is why covering the basics of pregnancy and childbirth at no additional cost is a fundamental part of essential coverage.

Once your baby is born, breastfeeding and Primary Care Interventions to promote breastfeeding are also covered at 100%, including certain breast pumps. In addition, a Blue Cross Blue Shield of North Carolina health plan will cover your baby’s wellness visits and vaccinations at 100% so that you can be sure your post pregnancy health needs are also met. Because Blue really does love babies, a BCBSNC individual health plan includes pediatric dental and vision coverage, up to age 19 so that you can not only have your baby, but raise your baby with confidence that his or her health needs are covered.

Babies make the world a nicer place to live and a Blue Cross Blue Shield of North Carolina health plan makes having a baby a nicer experience.

For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obamacare. Call us for details.

Maternity Coverage with BCBSNC

Kristen Baily — Fri, 07 Oct 2011 19:52:17 +0000

The Maternity endorsement for Blue Cross Blue Shield Individual Plans may be purchased at the original issuance of the policy at a policy renewal (if the policy has been in effect for at least six months), or within 30 days of marriage or when adding a spouse as a dependent. If the application to add the maternity endorsement is submitted and approved during the renewal open enrollment period (October through November 30), it will become effective on January 1st and premium adjustments for any changes in coverage will apply, effective January 1.The maternity endorsement is only available for adult females, either subscriber or spouse, on non-Youth—only policies. Please see Product Movement Guidelines for additional information on when the maternity endorsement can be purchased for existing members. A request to add the maternity endorsement is subject to medical underwriting. Maternity coverage will be denied if a pregnancy exists for the subscriber/spouse.

The information in this article is from the 2011 Product Guidelines for Blue Advantage and Blue Options HSA plans from Blue Cross Blue Shield of NC.

For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.

MATERNITY COVERAGE

Cathy — Thu, 06 Nov 2008 07:12:29 +0000

Maternity Coverage

BCBSNC offers an optional maternity rider to females (policy holder or spouse) ages 18 and over who are not pregnant when they apply for coverage. If you elect not to purchase the maternity rider when you first apply, you can add at the following times so long as you are not pregnant at the time:

During the annual renewal period (November for a January 1 effective date) as long as the policy has been in effect for at least 6 months
Within 30 days following marriage (requires copy of marriage certificate)
Upon adding your spouse as a dependent for reasons other than marriage (requires supporting documentation)

Here are some additional things to consider:

The maternity rider covers maternity services under the core health plan’s deductible and coinsurance. There are usually no office visit co-payments and no separate deductible for maternity coverage.
Complications from pregnancy are covered under Blue Advantage or Blue Options HSA even if you do not have the maternity rider. These health plans provide you the protection in the event of certain complications with your pregnancy.
You can add your newborn to your existing policy within 30 days of the date of birth (without medical underwriting) regardless of whether or not you have the maternity rider. Coverage will be effective as of the baby’s date of birth so long as your policy was active on the day of birth.
Many people see the maternity optionsimply as a means to help “pre-pay” and choose to purchase it only if they are planning on getting pregnant in the near future.

For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our qualified agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). You may qualify for a 15% healthy lifestyle discount if you are in excellent health. Call us for details.