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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Oct 17, 2011

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Insurance Question from Mobile, AL

Asked on 10/17/2011

maternity insurance We have health insurance thru my husbands work, do we have to have the maternity since we will never use it? My husband has had a vasectomy and I have had a tubal, not to mention we are 48 & 52. and if we dont need it would our rate possibly decrease?Thank youvivian

Answer given on October 20, 2011

Normally, group insurnace offered by the employer does not allow you to have cafeteria plan (you pick and choose which coverages that you want).  It usually comes all or nothing.  The employer is getting a discount for this bundle coverage. Some plans allow you to decline vision coverage (but that is usually separate from medical.  Or it might allow you to decline your dental (again, separate from medical).

Call your medical insurer and ask if it is possible to decline your maternity coverage under your policy.  Some employers let you decline medical health care and give you a credit. Even if you are able to decline the group coverage and get a separate coverage through an independent carrier, it might now be as cheap as the group coverage you are paying for now. Again, your disability coverage, life and other is usually bundled together.  So make becareful when considering this option.         

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