I've had 3 babies, and all 3 were born on different health insurance plans.
With the 1st, we had Coventry. They were awful. Our coverage was awful. The whole experience with them was just downright horrid. And then, after he was born and we were $7,000 in debt thanks to that outrageous max-out-pocket crappola, they didn't cover any kind of therapy (physical, occupation, or speech) that was the result of a congenital issue (meaning if Cole had torn his ACL, they would've covered the therapy, but since he was born with issues requiring therapy, they would've pay). So then we worked out a reduced pay and payment plan with a neurotherapy clinic....and got to pay them $80 per session for 3 sessions a week. With me NOT working.
With #2 and #3, we had United Healthcare, but different plans for each (due to hubby working for different companies that just so happened to both use UHC). LOVED THEM! I can't say enough good stuff about my experience with them as our insurance company. We had good coverage. They were awesome to talk to when any issues arose, and they took care of the issues without putting ME in the position of "middle man".
Now we have BCBS. We have good coverage, but I wouldn't say they are all too pleasant to deal with, but I think I've thrown the gauntlet down and now they are playing nice and by the rules. Our insurance premium went up with the passage/approval of impending "Obamacare", but as it is, we pay $380 for me, hubby, and the 3 boys for medical, dental, and vision. With medical, we have a $500 family deductible ($250 per person....which is higher than our UHC, which was $150 per person and $300 family). Once we hit the deductible, it's a 90/10 policy (they pay 90%, we pay 10%). We do have copays with this policy ($15 for regular docs, $20 for specialists), whereas we never had copays before...just paid our 10%. We have a family max-out-of-pocket of $3,000 per year. If we should ever hit that, insurance covers 100%. All pregnancy related stuff is covered. Much oncology stuff is cover. Dental covers 2 cleanings a year, up to $2,000 for fillings, et. and up to $2,000 for orthodontics (braces). With vision, we get the required eye exams and any required follow-ups and 1 pair of glasses per person per year (costs us $25 for the pair).
And fwiw, pregnancy cannot be considered a "pre-existing condition". Trust me, been there, done that. Hubby's insurance changed on the 1st of May, and #2 was born on the 22nd of May. A slip-up in HR had us thinking I would not be covered immediately due to the pregnancy, and we panicked. I started making numerous phone calls and doing my research, and in the end, all was well. Since the federal government ends up picking up the tabs on pregnant woman, somehow someway insurance companies are forced to NOT put pregnant women in the "pre-existing" category.
And more fwiw, Cole has numerous pre-existing conditions, and never once has he not been covered due to them. In fact, it's never been an issue despite going insurance companies 3 more times since the first one we had.
