Healthshare Plans and Maternity in Colorado
Healthshare plans offer an affordable alternative for maternity expenses in Colorado, with clear guidelines on how they handle pregnancy-related expenses.
Key Takeaways
- Healthshare plans address maternity expenses through member cost-sharing rather than traditional insurance
- Most healthshare organizations require pre-enrollment before conception to qualify for maternity benefits
- Monthly contributions for healthshare plans average 30-50% less than traditional insurance premiums
- Eligible maternity expenses include prenatal visits, ultrasounds, delivery, and postpartum care
How Healthshare Plans Handle Maternity Expenses
Healthshare organizations pool monthly contributions from members to share eligible medical expenses.
When you have maternity costs, you submit bills to the healthshare organization, which processes them according to its sharing guidelines. Most plans require you to pay an initial unshared amount (similar to a deductible) before the community begins sharing your expenses.
Eligibility Requirements for Maternity Benefits
Most healthshare plans require membership before conception to share maternity costs.
Typical waiting periods range from 10 to 12 months after enrollment. This means Colorado residents need to join a healthshare plan and remain members for almost a year before becoming pregnant to qualify for full maternity sharing. Some organizations may share emergency complications even during the waiting period.
What Maternity Expenses Are Shared
Healthshare plans will share maternity expenses that meet their sharing guidelines.
Shared expenses typically include prenatal doctor visits, routine ultrasounds, laboratory tests, delivery costs (vaginal or cesarean), hospital stays, and postpartum care. Many plans also share costs for necessary pregnancy complications, such as gestational diabetes management or preeclampsia treatment.
Cost Comparison for Colorado Families
Healthshare plans offer significant savings compared to traditional maternity insurance.
Colorado families without employer-sponsored insurance often face monthly premiums of $1,200-$1,400 or more for comprehensive maternity protection. Healthshare monthly contributions typically range from $400 to $800 for similar family protection, representing substantial savings over a pregnancy timeline.
Frequently Asked Questions
Do I need to be enrolled before getting pregnant? Yes, most healthshare organizations require membership 10-12 months before conception.
Can I switch during pregnancy? While you can enroll anytime, most plans won’t share expenses for pregnancies that began before enrollment.
Are home births shared? Many healthshare organizations will share home birth expenses when attended by licensed midwives, but policies vary by plan.
Ready to explore your healthshare maternity options in Colorado? Schedule a free consultation with our Personal Benefits Manager to find the right plan for your growing family.
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HEALTH INSURANCE INFORMATION
- Plans approved and authorized under the Affordable Care Act
- Covers Pre-Existing conditions
- Low cost subsidized plans available to those earning
< 400% of the federal poverty level - Unlimited lifetime benefits
- Available during open enrollment (November 1 – January 15), or if you qualify for a Special Enrollment Period
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HEALTH COST-SHARING INFORMATION
- Not health insurance, but a way for like-minded individuals to share medical expenses
- Waiting periods on pre-existing conditions
- May exclude sharing for certain conditions or activities
- Enroll any time
- Much lower monthly cost than unsubsidized health insurance