Skip to content

Maternity Insurance 2014 Question & Answers

2015 September 2
by Sarah Fields

David asks…

Why would migraines be a condition not covered by insurance (pre-existing condition)?

So I had a baby in March, and didn’t have the best maternity coverage at the time; but it was too late to shop around for new insurance companies as I was already pregnant. My current maternity benefit is the insurance company will pay up to $4000 in charges and after that everything comes out of your pocket. So I applied with BCBS and I was accepted however, they have given me the following rider: Migraine, headache or cephalgia; including any diagnostic procedure, treatment or
surgery thereof and the following complications that occur in connection with or as
a result of the aforementioned condition(s): nausea, vomiting, pain, photophobia,
paresthesis, visual field defect, hemiparesis.

I used to get migraines several times a month, but now since having my daughter I get maybe one a month, I also have had CT scans and my neurologist has never found anything that would make them think like cancer or tumor or anything. So has anyone else had problems getting coverage with BCBS that has migraines? I am thinking about getting the cheapest policy I can get with BCBS for their maternity coverage and keeping my current insurance that way I know that my migraine medication that I take when I do get one is covered and that if my neurologist would want to do another CT scan in the future it is covered. Any suggestions??
The clause is for the life of the policy :(
BCBS is the ONLY private insurer that still offers maternity; and since I am a stay at home mom, my husband is self-employed (farmer) we don’t get insurance through work.

Sarah Fields answers:

Because migranes can be a symptom of a brain tumor. When something doesn’t turn up, it’s even WORSE than actually finding a cause, because that means the cause is out there, and undiscovered.

Kinda like the monster under the bed.

And . . . Since the Health Reform Act, I’m pretty sure BCBS isn’t selling maternity coverage any more.

That undiagnosed condition, is going to mean MRI claims and CAT scan claims . . . And they can add up. The same reason you don’t want to “self insure”, is the same reason the health insurance company doesn’t want to take that on, either.

And, if the Health Reform Act doesn’t get repealed, you’ll be able to buy a policy in 2014 (at an enormously increased price) to cover your preexisting condition.

Thomas asks…

Why do people expect Obama to change the world when he’s not GOD?

Since so many Obama and Romney fans want to bicker so much about why you shouldn’t vote for their opposite president, then I am telling my political views. Also you are more than welcome to stir some S H I T on my question. Reasons why I vote for Obama:

Health care reform. While the health care reform bill was less than what some of us had hoped it would be, it was a huge win for every patient in the U.S. nonetheless. For starters, it means insurance companies can no longer impose lifetime caps on coverage, and won’t be able to deny you (or your kids) coverage due to pre-existing conditions. They can’t drop you if you get sick either. Additionally, most preventative services for which you previously would have had a co-pay will now be free. And, starting in 2014, insurance companies will be required to include maternity coverage in their plans.

Finance reform. The finance reform bill (passed in 2010) was a very, very big deal. (Too bad almost no one understood it.) To help clear things up, I’ll be posting a detailed analysis of the new law soon. For now, readers can get a sneak peek into how much this bill changed things (or has the potential to change things, if Republicans would have the decency to leave it alone), by researching the innumerable ways the Republicans are attempting to gut it. (Read this and this.)

Financial aid reform. The Student Aid and Fiscal Responsibility Act signed into law in 2010 cut the middle-man (i.e. banks and commercial lenders) out of the student aid market and made the federal government the main lender. This was a highly debated piece of legislation, because it cut the banks out of the process entirely, which meant they no longer would be able to make billions of dollars in profit off the backs of struggling college students. While some of us may not have realized that the banks were raking in the bucks by “helping” us gain access to the federal aid money the government had agreed to give us anyway, they were. And, now they’re not. Which translates into $60 billion in savings for the government over the next 10 years. It also means less interest and more grants for you (and/or your kids, and/or your grandkids). Don’t believe me? Check out this article in The Week here.

Finally, just this week, the Obama administration issued new standards that require insurance companies to provide birth-control pills and other contraceptives free-of-charge to insured women. (For more info, click here. To hear my thoughts on contraception, read this.)

All in all, I’d say Obama has done a lot. In just a few years, he’s managed to push through wide-reaching legistlation that other presidents only dreamed of passing. (To drive the point home – We’ve been trying to pass health care reform for nearly 100 years.) Yes, he has failed in certain ways. Yes, we’re disappointed. But, he isn’t a failure. And, he still has my vote.

He’s making millions pay their fair share of taxes and he has ended the war in Iraq. That’s all I have to say. I am so tired of getting criticism. We live in acruell world, where people love to judge others. I just cannot wait until this dumb ol’ election is over. It’s more than likely romney is going to win, but I’m just getting my opinions on what Obama has done. He has done a lot for us. As for Romney, he also said some comment about food stamps. Food stamps is helpful fordisadvantagedd families and colleges students. What’s wrong with food stamps? Romney is so accustomed to lying, he just can’t stop. There isn’t an issue that he won’t lie about. The unfortunate fact for Romney is that there wasn’t a bipartisan failure on this bill at all. The Senate passed its version of the bill with very few problems, back in June with 16 Republican votes. The House Agriculture Committee passed a crappy farm bill, with too egregious cuts to food stamps.

So bring on the hate. I have never been able to give my opinion, so here’s my opinion. I will read your answers and you can call be a ********* if you want. But just so you know, Obama has TRIED. People need to give him some credit. He’s NOT GOD, JEESH! I am just tired ofeveryones ********* attitudes. All I can say is, I will pray for you low life’s who have NOTHING better to do. But to argue with people because of their beliefs. This is AMERICA, we haverights’ss to vote for whoever we want. But that doesn’t mean that you can constantly argue with people. Whether you believe in GOD or not,presidentt BARACK OBAMA is NOT GOD. I know EVERYONE’S gonna disagree with me, but who gives a ****. I work so hard to combat ignorance towards politics.

He even ended the war in Iraq. Bin Laden could of planned more terrists attacks to America. Obama has doen that for NOTHING, come one AMERICA! I acccept your decision for voting for romney, but why be so critical?
He plotted to kill Bin Ladin for god sakes, and no one can’t be thankful for that? Are you guys serious. He has done that for NOTHING. Bush didn’t even make an effort to do that. Obama is the real deal.

Sarah Fields answers:

I’ve been asking myself that same question.
I wish people would realise that he can’t change the world and that America will always been in debt.
I personally think he is doing the best he can. People also need to take note that he doesn’t have the last say in anything. Also that no president ever does everything that they promise.

Paul asks…

Why do people expect Obama to change the world when he’s not GOD (Give him a break)?

Since so many Obama and Romney fans want to bicker so much about why you shouldn’t vote for their opposite president, then I am telling my political views. Also you are more than welcome to stir some S H I T on my question. Reasons why I vote for Obama:

Health care reform. While the health care reform bill was less than what some of us had hoped it would be, it was a huge win for every patient in the U.S. nonetheless. For starters, it means insurance companies can no longer impose lifetime caps on coverage, and won’t be able to deny you (or your kids) coverage due to pre-existing conditions. They can’t drop you if you get sick either. Additionally, most preventative services for which you previously would have had a co-pay will now be free. And, starting in 2014, insurance companies will be required to include maternity coverage in their plans.

Finance reform. The finance reform bill (passed in 2010) was a very, very big deal. (Too bad almost no one understood it.) To help clear things up, I’ll be posting a detailed analysis of the new law soon. For now, readers can get a sneak peek into how much this bill changed things (or has the potential to change things, if Republicans would have the decency to leave it alone), by researching the innumerable ways the Republicans are attempting to gut it. (Read this and this.)

Financial aid reform. The Student Aid and Fiscal Responsibility Act signed into law in 2010 cut the middle-man (i.e. banks and commercial lenders) out of the student aid market and made the federal government the main lender. This was a highly debated piece of legislation, because it cut the banks out of the process entirely, which meant they no longer would be able to make billions of dollars in profit off the backs of struggling college students. While some of us may not have realized that the banks were raking in the bucks by “helping” us gain access to the federal aid money the government had agreed to give us anyway, they were. And, now they’re not. Which translates into $60 billion in savings for the government over the next 10 years. It also means less interest and more grants for you (and/or your kids, and/or your grandkids). Don’t believe me? Check out this article in The Week here.

Finally, just this week, the Obama administration issued new standards that require insurance companies to provide birth-control pills and other contraceptives free-of-charge to insured women. (For more info, click here. To hear my thoughts on contraception, read this.)

All in all, I’d say Obama has done a lot. In just a few years, he’s managed to push through wide-reaching legistlation that other presidents only dreamed of passing. (To drive the point home – We’ve been trying to pass health care reform for nearly 100 years.) Yes, he has failed in certain ways. Yes, we’re disappointed. But, he isn’t a failure. And, he still has my vote.

He’s making millions pay their fair share of taxes and he has ended the war in Iraq. That’s all I have to say. I am so tired of getting criticism. We live in acruell world, where people love to judge others. I just cannot wait until this dumb ol’ election is over. It’s more than likely romney is going to win, but I’m just getting my opinions on what Obama has done. He has done a lot for us. As for Romney, he also said some comment about food stamps. Food stamps is helpful fordisadvantagedd families and colleges students. What’s wrong with food stamps? Romney is so accustomed to lying, he just can’t stop. There isn’t an issue that he won’t lie about. The unfortunate fact for Romney is that there wasn’t a bipartisan failure on this bill at all. The Senate passed its version of the bill with very few problems, back in June with 16 Republican votes. The House Agriculture Committee passed a crappy farm bill, with too egregious cuts to food stamps.

So bring on the hate. I have never been able to give my opinion, so here’s my opinion. I will read your answers and you can call be a ********* if you want. But just so you know, Obama has TRIED. People need to give him some credit. He’s NOT GOD, JEESH! I am just tired ofeveryones ********* attitudes. All I can say is, I will pray for you low life’s who have NOTHING better to do. But to argue with people because of their beliefs. This is AMERICA, we haverights’ss to vote for whoever we want. But that doesn’t mean that you can constantly argue with people. Whether you believe in GOD or not,presidentt BARACK OBAMA is NOT GOD. I know EVERYONE’S gonna disagree with me, but who gives a ****. I work so hard to combat ignorance towards politics.
He also plotted to kill BIN LADIN. Is America Serious? Obama has done that for NOTHING and get’s absolutely NO credit for that? I respect your decision for voting for ROMNEY, but please stop criticizing others for their political views. Jeesh, people in this world!

Sarah Fields answers:

First off, I do disagree on one point-ROMNEY WILL LOSE! Reason being, a vast majority of romney supporters pledge their support based on hatred, ignorance and intollerance and not on a true PLAN to a BETTER AMERICA. As much as many would claim(OR HOPE), MOST AMERICANS arent stupid. Secondly, many fail to acknowledge how dire our economic outlook was when Obama took over, but even more overlooked is the fact that EUROPE plays a key role in the american economy. When republicans were all clamouring about Obamas poor economic performance with a mere 1.2 percent growth, europe would have killed for that kind of success in the midst of a world wide recession. And they are HUGE in regards to foreign trade and stability! Of course, they dont hear that on FOX NEWS so it must not be important, right? All they hear about it from romney is that we are on the road to greece, never bothering to mention we live in same neighborhood. They also say they want to brand china as a CURRENCY MANIPULATOR on (what he hoped would be) his first day in office. What romney knows that most americans dont is, china is considered a developing nation and is allowed to do so under IMF and world bank guidelines. Essentially, making such a statement will make NOT MAKE A BIT OF DIFFERENCE, and could, in fact, damage our trade relations with china and decrease american GDP. Hate and big corporate money should NEVER dictate the future of america! The last time it did there was a civil war. In the 1860s america could rebuild and reconcile. In the 21st century, all it will do is seal our fate, and we will find ourselves on a ROAD TO ROME! OBAMA 2012

Powered by Yahoo! Answers

Leave a Reply

Note: You may use basic HTML in your comments. Your email address will not be published.

Subscribe to this comment feed via RSS