Maternity Insurance…

posted 4 years ago in TTC
Post # 3
Member
3360 posts
Sugar bee
  • Wedding: December 2011

I can’t give you advice, but I’m commenting to follow.  My husband just started his own business, so he’s also self-employed, and I’m finishing up my graduate degree and will have to get off student insurance soon.  I’ve done just a little research so far on private insurance, and I’m not too happy about what I’ve found. Undecided

Post # 4
Member
1450 posts
Bumble bee
  • Wedding: January 2012

In my state, SC, insurance companies DO NOT even offer private plans that cover maternity because they don’t have to. Its a load of crap. I’ve heard other states that do requie it often have a 1yr+ waiting period.

That said, next year when the new health care laws go into effect all plans MUST cover maternity. It sucks to have a uterus in this country.

Post # 5
Member
3360 posts
Sugar bee
  • Wedding: December 2011

I’ve been doing a little research on how the Affordable Care Act impacts maternity care – it sounds like 2014 is when the biggest changes go into effect (and when plans will be required to cover maternity and newborn care).  This is the site I’m exploring now, if that helps.

http://www.healthcare.gov/law/information-for-you/pregnant-women.html

I’m looking forward to more info on the insurance exchanges that are also supposed to be up and running by 2014.  Right now, the process of researching and finding private insurance is a pain in the butt (and so expensive!).

Post # 7
Member
3360 posts
Sugar bee
  • Wedding: December 2011

I don’t think they’ll be able to make you wait after Jan. 1.  The part going into effect is the “Essential Benefits”, 10 categories of benefits that MUST be included in every plan.  Meaning they have to be offered, period, starting Jan 1.  That’s my understanding.  Maternity and newborn care are one of those essential benefit categories.

Post # 8
Member
3032 posts
Sugar bee
  • Wedding: June 2013

Have you considered supplemental STD insurance.  The only “catch” is that you can not 1) use it until you hit 1 year- so you might need to put TTC’ing off for a few months JIC 2) There is a possibility that you will be denied if you discuss it w/ a medical professional like it being in your medical records.  So if you can keep your mouth shut (or have it not in the files) and wait 4 months to TTC you can get Short term disability insurance.  

Post # 9
Member
341 posts
Helper bee
  • Wedding: July 2013

@aliciapdx:  +1 check out STD at least that will cover your pay at a certain % to cover all these additional cost.

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