Customer Questions:

I have an existing Kaiser health insurance 30/1000 Deductible Plan at work. I just want to add a maternity coverage on my existing policy, would that be possible? How long is the waiting period before the maternity coverage takes effect? I want to see different plans for this. I want the good maternity coverage with low monthly premium and deductible. What will happen to my coverage if in case the company will close down, can I still pay for the same premium?

Answer:

You may not need to change plans. The $30/$1,000 Deductible Plan includes coverage for maternity. Also, with small group plans there is no waiting period for maternity or any other benefits. Regarding changing plans, you can do that each year at open enrollment. Contact your companies HR person for details regarding open enrollment and the plans your company is offering.

If your insurance is lost because the business closes before you deliver the baby, it would be a good idea to consider Kaiser’s conversion plan.