I'm paying alot for my wife's health insurence due to a pre existing condition (she got pregnant w/o insurance), and Carefirst insured us after we shopped around. Then, my son was born on 04/05 and I added him to the policy, which jumped up $113.00. Is this normal? should I shop for a different provider? If I do, will I have troble with the current provider covering the labor/ deliver, etc... costs? Or should I wait? What goodproviders should i consider ( I live in Silver Spring, MD)?
Thanks for any and all advice.

Fr_Chuck

There is no carrier going to cover your wife after she is pregnant. but if she was covered before she got pregnant, that company will pay for the delivery if there was maternity. So changing now will not change that.

But if you have your wife and son both insured for 113 dollars that is dirt cheap, and I doubt it would cover much.

Good companies,

Blue Cross
American National
United American
are a few but there are many.

LearningAsIGo

$113 per check? I agree, that's a lot for family coverage but it could be worse (mine is around $130/check). Its all relative to what your wages are... to some that's a lot to others, maybe not.

It can't hurt to shop around. However, switching while they are still covering some costs could be problematic for you so wait a while.

My insurance does not charge you anything for pre-existing conditions, including pregnancy, so they are out there. (My carrier is not found in MD however)

ticobh2000

Sorry, I should've been more specific. I was paying $224 and they raised it another $113 so now I pay $337 for my wife and son. There are no more pre-existing condition as far as I know because he was born on April, the 5TH, therefore she's not pregnant anymore. Also, how long should I wait until I can start thinking about changing providers?

Fr_Chuck

anytime, is this a private policy or is it though where you work,

Also is the 224 a week or a month. For example the policy for myself, mywife aand my son would be over 600 a month.

Also unless you had that policy before your wife became pregnant, they normally will not cover the delivery unless this is a group plan though work where pre existing conditions normally don't apply.

But you can apply now for new insurnace if you want,

What type of coverage do you have, what is the deductable, is there a max amount they will pay per event ( alot of the cheaper plans have 50,000 limiits per illness) but sound good on the oher parts of coverage.
Does it have prescription drug coverage ( real co pays) not a discount drug program. Does it hae in office co pays for doctor ?

If you give us alot more specific info, we can give you alto more specific answers.