Maternity and United HealthOne

One of the most confusing issues is actually very simple when you break it down. Most folks know how maternity works under an employer group plan but the individual market is much different.

We previously looked at maternity plans in general in an earlier post. This one reviews the current structure for Golden Rule AKA United HealthOne.

Unlike other plans, the UH1 plan is a "first dollar" plan. Everyone else requires you to first satisfy a separate maternity deductible before they pay. UH1 pays first. Any residual is covered by the insured.

Full benefits under the UH1 maternity takes the form of a $4,000 "bucket" of money. You are free to use those funds any way you want (pre-natal, delivery, hospital), but once those funds are exhausted you pay the balance.

To receive the full $4,000 benefit, conception must occur after the maternity benefit has been in place for 12 months. If conception occurs before 12 months the benefit is cut in half.

Contact us for more details about how the benefit works, and current pricing.

You may also wish to run quotes and compare plans by clicking here.