-We currently have united golden rule. they don't pay for anything we have done, conventional or alternative. We want to have a baby soon, but would like to work with a midwife (paying cash). We wouldn't mind paying for insurance if they would actually pay for SOMETHING, but nothing we actually need done is covered.
Would an hsa be better? I guess I'm kind of looking into something that would cover the ER or major illness...You cannot have only an HSA; it is against the law.
To put money into an HSA, you must also have a "high deductible health plan" (HDHP).
The best option for our situation is probably to get a bare-bones "high deductible health plan" that covers only those things for which you (1) cannot afford to pay cash, and (2) would be using "conventional" providers, not natural medicine, and then, after getting the HDHP, put a few thousand into an HSA to use for things that the HDHP will not cover.Opt for a higher deductible plan and preferably one with an accident rider. Make it a QHDHP and open the HSA to pay for the alternative medicine.
I'm assuming you're at least getting the network discounts with United Healthcare for your conventional trips to the doctor. If not, then call your insurance broker and ask them. AND, why aren't you asking this of the insurance broker you bought the UHC plan from? That's why you use a broker...if Plan A isn't working then call the broker and give them some feedback and they'll make a recommendation. Starting at scratch every time you need to buy insurance is foolish. Call the person that knows your situation and will only sell you something new if it makes sense to do so.
Health insurance doesn't pay for alternative medical treatment. Private health insurance these days, doesn't pay for maternity (although some group policies WILL cover a midwife).
You can't have an HSA without also having a high deductible health insurance plan . . . but I think that would probably be a great option for you guys.
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