We just added new information on the California Maternity Health Insurance page that will answer all your questions about how much your costs will be during the prenatal care and baby birthing process!
One of the common questions we get from couples planning to have a baby is, “What will our costs be if we use Pregnancy Health Insurance plan ABC?” This new article, Analysis of Best California Maternity Health Insurance Plans covers the detailed cost break down of the five recommended maternity health insurance plans. One of the key parts of the analysis is showing the tradeoffs between paying more for the prenatal and delivery costs out of pocket and less for the insurance premiums, versus paying less for the prenatal/delivery costs and more for the monthly premiums.
One of the surprises is that an HSA plan jumped into the lead as the best maternity health insurance plan. This happened because the updated plan pricing for Kaiser Permanente increased the premium costs of the HMO plans more so than the HSA plans, and enabled the Kaiser 0/1500 HSA plan to take the lead with the lowest total out of pocket costs.
Using the outline of the analysis for the 5 plans that were shown, it is possible to determine what the total out of pocket costs would be for any of the other 18 maternity health insurance plans that are offered in California. If you have any questions about the information, please give us a call and one of our advisors would love to help you.