Blue Maternity Top
Blue Maternity Top
 |
 Gap Maternity Blue Floral Print Long Sleeve Cotton Top Good Used Condition  US $15.00
|
 GYPSY STYLE MATERNITY TOP SIZE US 12 14 TURQ US $19.99
|
 Baby Style Maternity Shirt Top and Skirt Size Small Knee length US $14.99
|
 2012 Summer Maternity Bra Tank Tops Nursing Tops Cotton SIZE XL NAVY US $9.99
|
 Blue 100 Cotton Top by Oh Mamma Maternity in Size Large US $7.99
|
 Womens Motherhood Maternity Blue L S Top shirt Summer clothes Size Small S US $3.99
|
 Womens Old Navy Maternity Blue Top shirt Summer clothes Size Small S P US $3.99
|
 Womens Motherhood Maternity Teal Top shirt Summer clothes Size Small S US $4.99
|
 Old Navy Maternity shirt Large blue US $1.04
|
 LIZ LANGE MATERNITY 100 Polyester Blue Green Ruffly Summer Top Womens Size S US $14.99
|
 Womens Motherhood Maternity Blue Top shirt Summer clothes Size Small S US $10.50
|
 Marielle Michaels Maternity Top L Large Baby Onesie 3 6m CUTE Hey Whats Kicking US $9.99
|
 MATERNITY KNIT TOP SIZE M US $5.99
|
 womens MATERNITY SHIRT xl extra large summer short sleeve top MOTHERHOOD EUC US $4.99
|
 Medium Motherhood 3 4 Sleeve Shirt US $1.00
|
 MOTHERHOOD maternity tunic top shirt blue cream lace Medium likeNEW US $7.50
|
 020Q Jou Jou Womens Size Large Maternity Blue Jeans Overalls Shorts Pants US $12.99
|
 Lot of 8 Maternity shirts size L EUC US $40.00
|
 Baby and Me Maternity Sleeveless Top Blue Denim Size XL Pre Owned US $.99
|
 Maternity Blouse Shirt Top aqua S small very cute US $6.25
|
 FREE SHIPPING Huge 18 Piece Maternity Lot Size Medium US $75.99
|
 MOTHERHOOD MATERNITY BLUE WHITE AND LAVENDAR STRIPPED TOP WITH TIEBACK SIZE L US $5.99
|
 Island Print Theme Maternity Dress Sz L Spring Summer Party Graduation Casual US $5.99
|
 SALLY Maternity Breastfeeding Nursing Top PINK Str L XL 14 16 Modern Mummy NEW US $23.15
|
 Lot of XL Maternity Clothes US $34.50
|
 NWOT Blue Liz Lange Maternity Swimsuit XS CUTE US $19.99
|
 Motherhood Maternity Sleeveless Buttoned Adj Back Tie Blouse Short Set Size M US $10.00
|
 NWT Sublimation Blue Black Purple Green Sz M L Maternity Top Shirt Cute Neckline US $12.49
|
 MADDY TOP Maternity Breastfeeding BLUE L XL 14 16 Modern Mummy Nursing NEW US $18.78
|
 JESSI Tee Breastfeeding Nursing Top BLUE L XL 14 16 Modern Mummy Feeding NEW US $15.89
|
 DIANA Maternity Breastfeeding TOP STRwBLUE L XL 14 16 Nursing Modern Mummy NEW US $17.87
|
 4x Maternity Brown Roll Stretch Pants2 x Sleeveless TopsFootless Tight 14 12 US $44.71
|
 NWOT Oh Baby 3 4 length sleeve blue maternity shirt with scoop neck NWOT US $5.00
|
 Duo Maternity Dress Shirt Blouse Size Large Blue and Black Stripes EUC US $3.50
|
 DIANA Maternity Breastfeeding TOP STRwRED S M 10 12 Nursing Modern Mummy NEW US $19.18
|
 GAPPA Maternity Breastfeeding Nursing Top XS S 8 10 NAVY Modern Mummy NEW US $20.37
|
 NWT Baby and Me Full Length Maternity Denim Dress Sz Small US $9.99
|
 JESSI Tee Breastfeeding Nursing Top GREEN M L 12 14 Modern Mummy NEW US $12.91
|
 MOTHERHOOD MATERNITY PEARL SNAP SHIRT SIZE XL COWGIRL WESTERN US $.50
|
 motherhood blue crossover nursing tank perfect for summer sz L US $7.50
|
 LOT 2 MIMI Maternity Tops Shirts Wrap Around Purple Blue Blouse Pregnant Sz M US $29.99
|
 Womens GAP CITY FIT MATERNITY DENIM JEANS Size 6 Regular US $14.99
|
 GENTLY USED PAIR OF OLD NAVY MATERNITY JEANS SIZE LLONG US $7.50
|
 AA5 two hearts maternity top large green blue striped 3 4 sleeve US $4.99
|
 NEW Long Coral Rhines Maternity Dress Bolero 3X Maxi Formal One Shoulder Special US $95.99
|
 NEW Long Kelly Rhines Maternity Dress Bolero Maxi Formal One Shoulder LARGE Sexy US $99.99
|
 Maternity lot m l US $14.99
|
 Induetime Striped sleeve less Scooped Neck 100 Cotton Maternity Top L US $4.50
|
 Ann Taylor Loft Maternity Top M US $6.99
|
 Maternity clothes Sizes small medium pre owned US $65.00
|
 5891 Smock Accent Maternity Shirt Top Med Blue Small S US $29.95
|
 5892 DESIGNER Smock Accent Maternity Shirt Knit Top medium sky Blue Medium M US $25.00
|
 5988 Annabelle Satin Bottom Maternity Dress Teal SAMPLE US $29.95
|
 5890 DESIGNER Smock Accent Maternity Shirt Knit Top Light Blue XSmall XS US $25.00
|
 3235 NWT Lace Overlay Beautiful Maternity Crewneck Shirt Black Blue Large L US $19.99
|
 3446 NWT DESIGNER Lace Inset Maternity Shirt Blouse S US $29.00
|
 3127 NWT Black SmockAccent Jersey Maternity Shirt Top S US $29.00
|
 3448 NWT DESIGNER Lace Inset Maternity Shirt Blouse L US $29.00
|
 5877 NWT Blue Nursing Shirt Maternity Breastfeeding S US $29.99
|
 5880 NWT Blue Nursing Shirt Maternity Breastfeeding XL US $29.99
|
 MOTHERHOOD MATERNITY TANK TOP SIZE XL SO COMFY YOULL NEVER TAKE IT OFF US $15.00
|
 Yellow Blue White Maternity Top Size Large “Motherhood” US $.99
|
 EUC Maternity Top by Zero 2 Nine Maternity Wear size M US $4.95
|
 MOTHERHOOD Maternity Top Size L Blue Scoop Rolled Neck w elastic stretch hem US $13.99
|
 DENIM Button Down MATERNITY NURSING SHIRT by DUO MATERNITY EUC size Small US $5.00
|
 BLUE STRIPED Button Down MATERNITY NURSING SHIRT 100 Cotton EUC Medium US $5.00
|
 Maternity Clothing mixed Gap Old Navy LOT medium US $112.50
|
 GUC Motherhood Maternity Purple Blue Plaid Cotton Gauze Top Size LARGE Summer US $8.00
|
 New Sparkly Brown Blue Maternity Shirt Blouse Dress Top flutter sleeve Large US $17.99
|
 EUC Old Navy Maternity Top Blue Floral Small US $7.00
|
 NEW Black Off Shoulder Bolero Maternity Dress MEDIUM Chiffon Baby Shower Evening US $65.99
|
 NEW Long Navy Teal Shoulder Maternity Dress SMALL Maxi Formal Special Evening S US $89.99
|
 New Long Purple Maternity Wedding Dress SMALL Bridesmaids Dresses Formal Special US $99.99
|
 Blue maternity top with light blue flowers and built in cammisole Medium US $20.00
|
 JOJO MAMAN BEBE 100 SILK MIDNIGHT BLUES MATERNITY TOP UK 10 BNWT US $15.80
|
 NEW Black Cocktail Maternity Dress SMALL Evening Chiffon Sexy Formal Special NWT US $69.99
|
 NEW Long Bright Purple Bolero Rhines Maternity Dress MEDIUM Maxi Gown Baby Sexy US $85.99
|
 WOMANS BLUE CRAVE APPAREL SHORT SLEEVE MATERNITY SHIRT TOP SIZE M US $.99
|
 motherhood nursing double layer t shirt XL light blue US $1.99
|
 Motherhood Maternity Top Large Blue Spring Summer US $5.00
|
Maternity / Pregnancy Insurance Options In North Carolina
There's not much information available online regarding strategies for planning to pay for maternity, including delivery and prenatal care in North Carolina, so I've decided to write this article to provide a little insight on the issue.
If you are currently pregnant, your options, in order of desirability, are Medicaid, group insurance, and prepayment plans. After you are pregnant, it is not possible to issue an individual policy. Application will automatically be declined. If you are in the process of planning your pregnancy, the best options for minimizing your maternity costs are Medicaid, group insurance, individual insurance with Blue Cross Blue Shield, prepayment plans, in order of descending desirability.
The average total maternity charges submitted to Blue Cross Blue Shield of North Carolina in 2007 was $20,015 per pregnancy 1. A patient may be required to pay this full amount, however many families negotiate with hospitals and providers to pay a discounted rate when the only option is to pay out of pocket.
When planning to cover the costs of maternity the four primary options in North Carolina are as follows:
1. Group maternity insurance coverage. This is often the most advantageous way to pay for maternity costs because many group policies cover maternity for all females on the policy without an additional rider. Also, if you are already pregnant, and don't meet the income requirements for Medicaid, this is your best shot at getting your pregnancy covered by an insurance company. Additionally, some group policies do not consider pregnancy a preexisting condition, so this is a good option to consider if you are already pregnant.
After the charges have been submitted to the insurance company, it is worthwhile to ask the hospital if you can get a discount by paying the deductible in full as opposed to making payments over time. I am aware of instances where the deductible has been discounted for a prompt payment in full.
2. Individual maternity insurance coverage with Blue Cross Blue Shield. At the date of this writing, I am only aware of one individual health insurance company in North Carolina that offers coverage for maternity. The company is Blue Cross Blue Shield and the policies are Blue Advantage® and Blue Options HSA sm. I am not aware of any individual health insurance policy that will cover you after you are already pregnant. HumanaOne previously offered an individual maternity policy, but has since discontinued it. I am generally skeptical of small health insurance companies, if you are even able to find one that offers maternity, because they are often on tight budgets and as a result their policies often contain ungainly loopholes.
The Blue Cross Blue Shield individual policy is somewhat similar to a prepayment plan through a hospital, as the premiums for adding the maternity rider are fairly substantial. However, the benefit of the policy is that, in the event of a pregnancy that involves complications, your costs are much more predictable. Pregnancies with complications are often significantly more expensive than a normal delivery, so this option is more desirable than a straight prepayment plan.
Blue Cross Blue Shield's maternity plan uses the deductible and coinsurance of the plan it is attached to, so it is important to evaluate the varying cost of maternity riders within the context of the deductible and coinsurance of each plan. For example, suppose the maternity rider for a plan was $350 per month. Suppose this plan has a $2,500 deductible with 100% coinsurance. Now the total cost for the pregnancy over the course of a year is $350 times 12 months = $4,200 + the $2,500 deductible = $6,700 for the pregnancy. Now, suppose a second plan had a maternity rider for $450 per month. Suppose this plan has a $1,500 deductible with 100% coinsurance. Now the pregnancy would cost $450 times 12 months = $5,400 + the $1,500 deductible = $6,900. With this hypothetical scenario, the first option is better even though the deductible is higher. The purpose of this example is the illustrate the importance of paying attention to how much it costs to lower your deductible.
With Blue Cross Blue Shield's maternity plan, it is also important to plan the timing of the pregnancy. The individual deductible reset every January 1st, so it is best to start a maternity policy at the beginning of the year and start trying to get pregnant at that point. Otherwise, the pregnancy will overlap calender years and you may have to meet your deductible more than once.
3. Medicaid maternity coverage. Visit the state website for income eligibility requirements and application instructions.
4. Prepayment plans. I you are already pregnant, a prepayment plan is a last resort. In this case, you should contact the prenatal and delivery caregivers to negotiate a prepay rate. Many hospitals offer discounts for paying out of pocket in advance. When conducting prepayment negotiations it is important to be very specific about what is covered by the arrangement and if the price includes complications of pregnancy, or only normal delivery.
Summary
Overall, from a financial perspective, Medicaid is typically the least expensive option, followed by group insurance. Individual maternity with Blue Cross Blue Shield is the third most desirable as a measure to minimize the cost of unexpected complications of pregnancy. The fourth option is the prepayment plan negotiated directly with the provider.
NC Maternity Pregnancy Insurance Coverage
1. Average charges submitted to BCBSNC for maternity services, professional and hospital etc. in 2007. Your charges may vary.
About the Author
David Goebelt has been a licensed health insurance agent with Blue Cross Blue Shield for the past four years, two of which were spent brokering policies with multiple health insurance companies.