(Closed) How far in advance did you get maternity insurance?

posted 7 years ago in Babies
Post # 3
Member
541 posts
Busy bee
  • Wedding: September 2011

Are you getting your insurance through your employer or an individual plan? Most group (employer) health plans don’t consider maternity a pre-existing conditioning, meaning that they will cover it from day one even if you are pregnant before getting on the plan. I’m not too familiar with laws and mandates in Florida, but it might be some sort of state mandate that maternity is to be covered like that, so you may want to look into it. 

I work in health insurance, so if you have any questions feel free to PM me. It can be very confusing to figure everything out, especially if it is your first time or you’re not too familiar with it.

 

Post # 4
Member
10367 posts
Sugar Beekeeper
  • Wedding: September 2010

Wow, i’ve never seen that before! My insurance through my company also doesn’t have a waiting period, and we don’t have to add in any special riders to get total coverage.

Post # 6
Member
325 posts
Helper bee
  • Wedding: May 2009

I also live in South Florida so I know exactly what you mean.

We don’t have a “maternity rider” but can use short term disability, which sounds very similar. Basically, my timeline was as follows: My health insurance enrollment comes up every January. At that point, you are eligible to switch plans, add/drop extras, such as short-term disability. So last January, I signed up for short-term disability. The catch is that your policy must be in effect BEFORE you get pregnant… and it takes 3-4 months for your policy to kick in. So in my case, my policy did not kick in until APRIL. Even though I signed up for s-t disability in January, had I gotten pregnant in Feb/March/April, it would not have covered my pregnancy.

I’m not sure if it’s Florida law, or what, but it is definitely screwy!

However, earlier this year, my hubby and I were just starting to talk about getting pregnant. I decided to sign up for it, JUST IN CASE we decided to get pregnant this year. I priced it out, and paying a couple hundred bucks for the year was worth all of the coverage I would get if we DID have a baby.

As it turns out, the hubs and I are thinking about ttc early next year. So in our case, it’s actually good that I signed up this year. Otherwise, if I signed up next year, we’d have to wait until after April to even start trying, just to make sure we got the coverage before getting pregnant. Now, if we feel like trying in Feb or March, we can, and we will be covered (because I will already be approved so my policy will automatically continue when I renew in January). 

It’s definitely confusing… but you should do out the math and decide what is financially reasonable. For me, I would get 60% of my salary for 6 weeks. That is worth a couple hundred bucks for the year! But try to determine how much money the maternity rider would cost you, as well as how much money you would lose out on if you got pregnant and didn’t have the coverage.

Post # 7
Member
325 posts
Helper bee
  • Wedding: May 2009

Also, I just re-read your post, and it says that your maternity rider has a 15 month waiting period. You should double check… that might mean you have to wait 15 months to GIVE BIRTH… (not conceive).

A lot of policies, like mine, must be in place and effective before you get pregnant. So in your case, you might sign up, and it might take 5 months to go into effect before you can use it. Then, if you get pregnant that 6th month, and have a baby 10 months later, you would be fully covered.

Just a thought!!!!!! GOOD LUCK!

Post # 8
Member
9057 posts
Buzzing Beekeeper
  • Wedding: June 2010

I can’t say I have any clue about this question, but I’m just reading in amazement… 

I don’t get the concept of maternity insurance… if they consider pregnancy the pre-existing condition, why not take a step further and make anybody who’s been sexually active the pre-existing condition?  Heck, why not just make it being female?!  Clearly you should know having a uterus/ovaries is a pre-existing condition to pregnancy. 

Post # 10
Member
2027 posts
Buzzing bee
  • Wedding: November 1999

I’m with BCBS of Florida, and I know I have a 1 month waiting period if I get the maternity rider. Basically nothing is covered for me if I get pregnant before then. I am not on my company’s policy. 

I am also amazed about this whole pregnancy coverage thing. For as many people as I know with “whoopsie” babies, I have no idea how anyone pays for childbirth. It would pretty much suck right now if we accidentally conceived without coverage. 

Post # 11
Member
375 posts
Helper bee

hmm wasn’t that in the new healthcare act? I’m pretty sure it said that all health insurance must cover maternity. I’ll check and get back to you!

The topic ‘How far in advance did you get maternity insurance?’ is closed to new replies.

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