Golden Rule and other STM 12 month plans covering pregnancy

[STIBROKER]

So narrow minded. What about a family of 4 and the premium is $100/month....
Focus on helping people not what you make.

with that low of a prem, they are heavily subsidized and have a $600 ded and out of pocket of $600......

 

[joe92275]

with that low of a prem, they are heavily subsidized and have a $600 ded and out of pocket of $600......View attachment 4834

Great thank you for your input. I’m taking about apples and you’re taking about bananas. I can’t even be part of this anymore.

 

[STIBROKER]

I can’t even be part of this anymore.

You were never a player in the first place.......

 

[joe92275]

My wife and I live in North Carolina and are on the hunt for a new insurance plan that is outside of the Marketplace for next year because our premiums are going through the roof with them. I started looking at STM's and found one here on ehealthinsurance. If that link doesn't work it is on ehealthinsurance and is a plan underwritten by Golden Rule Insurance for the Short Term Elite Plus A plan. The plan is for 12 months and the monthly cost is much more affordable than what we currently pay.

The question I am trying to find the answer to is that if we start the plan in January 1st and my wife gets pregnant in February (for example) will the plan cover the expenses? As I understand what is said in the brochure (linked here for golden rule insurance plus elite A) the plan does not cover a pre-existing pregnancy before the effective date, but if she were to get pregnant after the effective date it would cover the expenses after we meet the $2,500 deductible since the coinsurance after meeting the deductible is $0.

The plan appeals to me because it is already much cheaper than what we currently pay even with having to pay the monthly cost and meeting the $2,500 deductible. Even if we went with the cheapest coverage on the Marketplace, this would still be cheaper if it actually did cover her pregnancy. Am I right in my interpretation of their brochure or way off? If you all know of any other plans that would meet our needs or any other advice it would be greatly appreciated.

Something you may want to consider to help reduce your costs if and when you give birth is to picking up a hospital indemnity plan for your wife to help cover her deductible. I tried to explain it in this thread but the insurance forum peanut gallery screwed it up. This suggestion is to compliment whatever health plan you have now or you will obtain for 2019. Congrats for wanting to have a child!!!

 

[STIBROKER]

I tried to explain it in this thread but the insurance forum peanut gallery screwed it up!

And the peanut gallery agree's that your plan is like a side bet on you health insurance policy......$20X12=$240 a year for a $3,500 benefit.....

 

[joe92275]

You were never a player in the first place.......

I think we got off track. Again all I suggested was a helpful way to help pay for a pregnancy in addition to quality major medical health insurance. That’s it.

 

[STIBROKER]

I am dumbfounded you actually have clients. I don’t believe it. And family memrbers don’t count.
hummmmmmmm.........................................................

 

[myinsurebiz]

Bye Bye Joe . . . Take *ick with ya . . .

and what is the name of this mythical company and plan......

You would love to know right? Follow instructions.

You were never a player in the first place.......

 

[joe92275]

Bye Bye Joe . . . Take *ick with ya . . .

What are you 12? Are you serious? Did you really just post that? And you are a professional? You hold yourself out to the public and ask them to trust you with insurance decisions?

I am at a loss of words.

 

[STIBROKER]

What are you 12? Are you serious? Did you really just post that? And you are a professional? You hold yourself out to the public and ask them to trust you with insurance decisions?

I am at a loss of words.

I am dumbfounded you actually have clients. I don’t believe it. And family memrbers don’t count.
.