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I am expecting twins, my work insurance only covers $8000/year in medical expenses. do i have any options?

They are twins and I live in Maryland

$8000 yearly maximum seems low. Are you sure that's not your maximum yearly out of pocket? That would make more sense. Maximum yeary out of pocket includes any deductibles and copays you pay - once you hit that total, you don't shell out another dime for the year.

My advice would be to double check that. If it's truly only $8000 in a year in coverage, once they're born, you should get them on to a child's plan. (Here in NY, it's called Child Health Plus - I'm sure Maryland has something similar.)

Not really. What options are you speaking about? If that's what your insurance covers then that's it.

Welll, you can see if your income is low enough to qualify for your state children's health insurance program - which pays prenatal and birth expenses for qualifying moms. Otherwise, you'll have to start saving up.

Oh, and an alternative - look into a birthing center, or a home birthk, with trained midwives, if Maryland allows them. Midwives can identify high risks and refer you to an ob/hospital if it's needed, but they can deliver twins, also, and at a substantially lower cost. PLUS they'll do all your prenatal care.

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