(Closed) PSA: Double check your maternity and insurance benefits before TTC! :)

posted 6 years ago in TTC
Post # 3
Member
5496 posts
Bee Keeper
  • Wedding: April 2010

Wow, glad you found out now and not closer to delivery. That stinks that they don’t give you the full 6 weeks, though. ๐Ÿ™  But at least you do have a Plan B and have some vacation time you can use. Whew!

 

Post # 5
Member
2815 posts
Sugar bee
  • Wedding: June 2012

I don’t know how you ladies of the US do it. What happens if you get sick late in your pregnancy and have to leave work early. Does that cut in to your leave after the baby is born?

Post # 6
Member
5496 posts
Bee Keeper
  • Wedding: April 2010

@urchin:  Yep! I believe so. ๐Ÿ™  That’s why I’ll be working right up until the time I deliver, so that I can have my full 12 weeks afterwards.

Post # 7
Member
2425 posts
Buzzing bee
  • Wedding: May 2012

So not to thread-jack, but random kind of related question…do insurance companies tend to lump pregnancies in the whole “no pre-existing conditions” thing?

I ask because as a grad student I have health insurance through the university, which isn’t very good but covers the basics I need at this point in my life (25, no serious medical conditions) BUT I doubt the pregnancy benefits are great. I could go on DH’s insurance, but it would be expensive, so for now I am just planning on keeping mine. We are not TTC yet, but we have decided to be a little looser with contraception now that we are married (I am on pill, but no longer using condoms). My question is IF I got pregnant, and tried to get on DH’s insurance, would they cover it?

Post # 8
Member
1026 posts
Bumble bee
  • Wedding: May 2012

@ChemistryBride:  My understanding is that pregnancy never falls under pre-existing conditions.  THat is what I was told.

Post # 9
Member
5496 posts
Bee Keeper
  • Wedding: April 2010

@ChemistryBride:  Yep, you could switch to his insurance while pregnant, but generally you only have one period per year in which you can sign up. Most don’t just let you switch at any time (unless you just got married). You would have to wait until the next sign-up period, which is generally January.

Post # 10
Member
10366 posts
Sugar Beekeeper
  • Wedding: September 2010

@ChemistryBride:  It’s actually illegal to count pregnancy as a pre-existing condition, I believe. Also, there is Medicaid for pregnant women, specifically, if you find yourself pregnant and can’t afford traditional insurance coverage.

OP: Be careful about lumping ALL your vacation time into your maternity leave to defray income loss. Your baby will get sick, you will need to pick them up at random times from daycare, they will have routine doctors appointments you will need time off for, etc etc. You need your vacation time for that. See if there are other ways you can cut back in the mean time to save money for the remaining 40% of your mat leave.

Post # 11
Member
1144 posts
Bumble bee
  • Wedding: November 2011

@crayfish:  DH and I have private insurance and were under the assumptions (we had talked to a medicaid office) that when I became pregnant we could get a sliding scale insurance plan threw the state to pay for maternity care as our private insurance does not. Well now they don’t offer that so since we make to much for medicaid I am not covered under any insurance for my maternity care and it is completely out of pocket. Which really blows but thankfully it’s not something we can’t make work. Wish we would have known

Post # 12
Member
2815 posts
Sugar bee
  • Wedding: June 2012

@Jenn23: oh my goodness! I am so thankful I don’t have to deal with that here. WhileI wanted to work until my duedate, I ended up sick and in and out of the hospital my last 3 months of pregnancy and had to go off work at that point. Luckily here I had 3 months of sick leave paid by the government (55% of normal wage) before my year of mat-leave started…

I don’t know how you girls do it! ๐Ÿ™

Post # 13
Member
3081 posts
Sugar bee
  • Wedding: August 2012

Great PSA! Thanks. I’m thinking about increasing my coverage next open enrollment in the event we start trying to get pregnant next year, and I’ll make sure I check ALL the details. 

Post # 14
Member
1370 posts
Bumble bee
  • Wedding: July 2011

I’m pretty sure AFLAC offers short term disability and maybe even maternity coverage? I can’t remember for sure.

You have to have it at least 10 months at the time of birth, but I think it helps with delivery cost, payment while on maternity leave, and hospital costs.

Post # 16
Member
656 posts
Busy bee
  • Wedding: June 2012

Just a quick note about insurance sign up periods, particularly in reference to marriages or pregnancies: generally employers call these events “life changes” or something and allow you to opt to add or change plans when one occurs. Check with your employer, but they should allow you to opt into your husband’s plan if you do get pregnant, no matter what time of year it is. A healthy baby with good prenatal care is a lot cheaper than the premiums or any administrative costs they might incur in allowing you to change!

The topic ‘PSA: Double check your maternity and insurance benefits before TTC! :)’ is closed to new replies.

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