questionswhat are some individual health insurance…

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BC/BS is expensive, especially with maternity coverage. Not sure about a better one though.

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Isn't it illegal to discriminate based on pregnancy? Even if you're in a state that can say that's a preexisting condition (I know Texas you cannot), Obamacare has made it so you can buy individual plans anyway, right?

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Well, it's not too bad unless their quoted price is way off. I was looking at a ppo that has an HSA. With a $5000 deductible (which is also the max out of pocket), for our family, it would cost $480/mo which includes maternity. At least, I didn't think it was too bad for an individual plan... but then again... maybe I've just been paying way too much for the past 10 years.

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@agingdragqueen: I'm really not sure how obamacare affected individual plans, but they're not really discriminating on pregnancy. They just simply won't pay for anything maternity related.

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I have an individual policy with Blue Cross Blue Shield. They offer an optional maternity rider to females (policy holder or spouse) ages 18 and over who are not pregnant when they apply for coverage. Sorry I can't comment on other insurance companies. Hopefully other Wooters can help you.

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@missellienc: Have you been happy with them and their coverage? And If you don't mind my asking, what type of individual policy do you have?

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@keysmad: you're right- I was talking to my mom who is a business owner with a lot of health problems, she was just able to get insurance again but they're not covering any preexisting conditions (specifically including her uterus/ovaries even though she doesn't have them anymore...)

Sorry I don't actually know anything, I hope you find something!

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@keysmad: Yes, I'm happy with BCBS of NC. I've been with them almost 4 years and I've never had an issue with any claim. I have a Blue Advantage and a Dental Blue policy. They're pricey but the coverage is very good.

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Have you checked with the school to see if they offer health insurance for full time students and their families? I just finished getting my master's degree as a full time student and was on my school's plan the whole time. I don't know how typical that this is, but every school I have gone to has had some health plan available to full-time students.

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@supersox: Ah yes, I have. Unfortunately, it's not really an option. It's actually more expensive than BCBS and again... does not cover maternity. Plus, they only cover doctors in their city... and we live in a city about 40 miles away... so with kids... well, it wouldn't work for us.

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I realize this sounds random but ... You might try providers in Provo Utah using google .... Provo is where BYU is and its a Mormon college and they have LOTS of kids. BYU has a similar thing where their insurance provides for students but not for pregnancy even though they have lots of that there. I just remember that I constantly saw advertisements for maternity insurance so googling with those cities might find you a provider there who either has an expanded network or could maybe refer you to a regional OK carrier