Politics
Out of context: Reply #25264
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- kona3
Furthermore, before the new health law - ACA - took effect, insurers can and did exclude maternity coverage from individual plans. In fact, in half of states you can’t purchase maternity coverage on the individual market for any price. In most of the rest, you can buy a maternity rider on your policy. In many cases it costs more than the main policy itself, and you can’t use it for at least a year after you buy it, and it often has a separate deductible of up to $5,000.
Why so expensive? Because the only people who buy it are, naturally, people planning to have a baby. Insurers know this and price accordingly.
If some of you folk want your insurance à la carte be prepared to pay insanely high amounts for insurance parts like the one above.
Want maternity coverage? Sure, $5,000 deductible, an extra $350 a month, you can't use it for a year, and we cover 70%. MAGA.