Supplemental maternity health coverage?

posted 2 weeks ago in TTC
Post # 2
Member
906 posts
Busy bee
  • Wedding: August 2014

Following because I also have crappy insurance and would like to know about this! And also YES GO LIZ GOOOOOO!!!!!

Post # 3
Member
8106 posts
Bumble Beekeeper

KittyYogi :  I have Aflac through my employer and their hospital plan covers birth so long as you’ve had the policy for 10 months. My plan pays a set amount for each night in the hospital and I have a rider that increases that per night rate plus pays $100 for “short term stay” which for me was my the few hours I was there being monitored before they sent me home to wait for labor to start. All in all for a vaginal delivery they paid me $900 if my memory is correct. 

Post # 5
Member
32 posts
Newbee

KittyYogi :  I haven’t had my baby yet, but I did sign up for ‘hospital indemnity’ supplemental insurance that is offered through my company (I think through Allstate). Benefits are exactly as LilliV described for maternity stay. Try searching for that coverage and hopefully you’ll find something!

Post # 6
Member
13678 posts
Honey Beekeeper
  • Wedding: November 1999

Honestly, with how much insurance seems to vary from state to state, provider to provider, and day to day, I’d just call Aflac. Tell them you remember them having this sotr of plan a while back and wanted to know if it was still offered, the cost, and benefits. 

Good luck!

Post # 7
Member
8106 posts
Bumble Beekeeper

KittyYogi :  I didn’t actually go looking for anything – it was presented at work and I signed up so I don’t know if they offer just a maternity one. I do pay the premium but so far my one birth has covered what I’ve paid to date plus I’m due with my second in May so I’ll get another pay out. Is it possible to shop around and see if you can get better health insurance? Is your deductible as high as your OOP max? I did IVF and had a delivery in the same plan year and I didn’t even come close to hitting my OOP.

Post # 9
Member
8106 posts
Bumble Beekeeper

KittyYogi :  those prices are straight up outrageous! Have you looked into state jobs? The salaries are typically less but the benefits more than make up for it in our experience. My husband and I always say we have the best combo – my private law firm salary and his public sector health benefits. 

Post # 10
Member
13678 posts
Honey Beekeeper
  • Wedding: November 1999

KittyYogi :  Calling is basically always my last resort.  I’ll google the sh*t out of things to avoid it, but sometimes, you just gotta bite the bullet.  OR — maybe they have an online chat, which would be SO much easier! haha

Post # 11
Member
995 posts
Busy bee
  • Wedding: October 2015

One of my old coworkers used Aflac and she got a much larger payout then the short term disability offered by my current employer. I cant exactly remember what the amount was but I remember being shocked by how much more she received. 

Post # 13
Member
431 posts
Helper bee
  • Wedding: May 2019 - York, ME

KittyYogi :  I have the Aflac hospital policy and a short term disability policy.  The hospital benefit can be designed to pay a portion of your deductible for when you give birth – I opted for $2,000 and pay $45/mo (pre-tax) for this.   For short term disability I pay $81/mo after tax, but will get 60% of my pay for 6 weeks after a vaginal birth or 8 weeks with a cesarian.  It makes sense to sign up if you are actively TTC, but you’ll definitley want to calculate the “break even” point on when you’re paying more to Aflac than they’d give you. 

Post # 15
Member
431 posts
Helper bee
  • Wedding: May 2019 - York, ME

KittyYogi :  Fingers crossed for you!! You will want to get Aflac in place before TTC though, especially if it has been a quick process in the past!  They have a 10 month exclustion for pregnancy related claims, so you have to have the policy in place before getting pregnant otherwise it’s worthless.

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