Maternity Benefits not Available

[jmystery44]

What is the name of your state (only U.S. law)? TX

Hello,

I am self imployed, and my wife and I are lucky enough for her to be able to stay at home and take care of our first child. We are trying to have a second child, but found out our insurance carrier no longer offer a maternity benefits rider, and they do not offer a supplimental insurance product. We are not young, and don't want to wait the year+ to change insurance companies if possible.

Our plan does cover "Complications of Pregnancy" and "Newborn Sick", but nothing else, so my understanding is we would have to pay for pre-natal visits and hospital costs related to a normal birth.

The Health Insurance Carrier defines the terms above as :

Complications of pregnancy means conditions with diagnoses which are distinct from pregnancy, but adversely affected by pregnancy or caused by pregnancy. Such conditions include, but are not limited to:
• Acute nephritis;
• Nephrosis;
• Cardiac decompensation;
• Hyperemesis gravidarum;
• Puerperal infection;
• Pre-eclampsia (toxemia);
• Eclampsia;
• Abruptio placenta;
• Placenta previa;
• Missed or threatened abortion;
• Ectopic pregnancy;
• Endometritis;
• Hydatiform mole;
• Chorionic carcinoma;
• Pre-term labor;
• Non-elective cesarean section;
Complication of pregnancy does not mean:
• False labor;
• Occasional spotting;
• Rest prescribed during the period of pregnancy;
• Conditions associated with the management of a difficult pregnancy, but
which do not constitute distinct complication of pregnancy; or
• Elective cesarean section.
• Spontaneous termination of pregnancy which occurs during a period of
gestation in which a viable birth is not possible; or
• Gestational diabetes

"Newborn Sick" covers anything that would
fall outside of the realm of a normal, healthy newborn care. So anything
that would go above and/or beyond the care a healthy newborn would require
could be considered "Newborn Sick" though, of course, this falls on how the
attending doctors mark any claims filled to {insurancecompany}.

Questions :

1) Is there maternity only-based insurance policies? This is probably a stupid question, because what company is going to give you insurance when there are guaranteed costs/claims probably over $10,000.
2) I am struggling to determine what is NOT covered, and get a sense of what my risk is of putting my family in the poor house.
3) How much does a normal birth cost if I pay for it out of my own pocket?
4) What are the other factors I don't even know about that are going to destitute my family?

Thanks for any advice or links to reference material in advance!What is the name of your state (only U.S. law)?

[ecmst12]

If you want to know what pregnancy and childbirth will cost, you need to call up the doctor and hospital you will be using and ask them.