Question for those of you who have Cigna health insurance?

Not sure when husband and I are going to try and conceive but we are thinking about adding me to his insurance for when we have a baby. Do you know how much we would have to pay. His co-worker said last year he only had to pay $20, could this be right?? That sounds awfully cheap. Also do you know how much it would be per month to carry insurance for me & him, and how much would it be adding a child? My insurance is expensive where I work. I pay 90.00 a month! And it won't be good when it comes to having a baby. My co worker is pregnant now & she said when it is all said and done she would be paying $4000 if everything goes as planned.

Answer:
First of all, Cigna has a bunch of different plans, so it depends on your plan.

Second, we have Cigna, and I gave birth in network almost 15 months ago, and it was $20. I paid the copay the very first visit to the ob, and all testing, all prenatal visits, and the hospital (c-section) was fully covered.

I don't remember how much it was for me & him, we've been on a family plan for a few years. Once you have the first child, there's no extra when you keep adding children. You pay the same for husband, wife and one child, as you do for husband, wife, and 15 children.
There are a lot of factors that go into the amount of premium. What plan do you have, how many employees are on the plan, what is the ratio of men versus women, ages of each etc. Talk to your employer and explain your situation and find out the benefits in your plan. Some people have high deductibles where they would pay all their hospital bills out of their pocket, but some plans have lower deductibles. There are so many different types of plans out there! and the range of premiums are endless. If your employer doesn't know the benefits of your plan then call the carrier directly. Your employer might consider implementing an additional health insurance plan that may have benefits that would better suit you.

If you your from NJ I would be able to help you further with finding out rates.
It would depend on what type you have, is is a PPO or HMO, etc. You can access Cigna on the internet and probably find your answers there or can post a question. Go to mycigna.com and register.

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