(Closed) Supplemental/Indemnity Insurance for Pregnancy?

posted 4 years ago in TTC
Post # 2
Member
3441 posts
Sugar bee

Are you saying that neither you or your fiancé have insurance through your employers? I think people use Aflac but I’m not sure how it works.

Post # 3
Member
8998 posts
Buzzing Beekeeper

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BabyInACorner :  I have an Aflac policy that will pay out a few hundred dollars for the hospitalization after I deliver (but that benefit doesn’t kick in if you’ve had the policy for less than 10 months when you give birth). It won’t come CLOSE to paying for a delivery if you don’t have insurance, but it is something

I don’t believe you won’t be an eligible dependent after you’re married, so do you or your Fiance have work plans that you can join? 

Post # 5
Member
5582 posts
Bee Keeper
  • Wedding: October 2017

Why don’t you just wait a few years until you can get a subsidy to afford the insurance?

Aflac is only supplemental insurance and not all employers offer it.

Could you look for another job?

The last thing you should do is create financial strain right before having a baby.

Post # 6
Member
1704 posts
Bumble bee
  • Wedding: July 2009

I don’t have any help to offer, except a caution. A no complications hospital birth in my area runs $5000-8000. If you or LO have any need for extra help…the sky is the limit. I would truly wait until you are 26 to be insurance eligible and comply with waiting periods. My dear friends had a textbook pregnancy, but significant birth complications and the LO has lifelong medical needs. They went bankrupt paying for it all…even with donations from friends and church.

Post # 7
Member
5582 posts
Bee Keeper
  • Wedding: October 2017

I had a textbook complication free pregnancy with a tiny baby and that ended in an emergency csection.

Someone else I know delivered a baby in July who was born with a heart defect needing weekly visits and now open heart surgery.

That’s great if you can find insurance for prenatal care but what about after? what about the baby?

Post # 8
Member
5582 posts
Bee Keeper
  • Wedding: October 2017

Also, here in the states, our maternity leave is unpaid. luckily I was able to sign up for voluntary short term disability through my employer and I got some of my pay while I was out

Post # 9
Member
8998 posts
Buzzing Beekeeper

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BabyInACorner :  I would wait until you qualify for better insurance or look for a job that offers health insurance. And in the meantime hoard money like crazy just in case you get an oops-a-baby!

Post # 12
Member
214 posts
Helper bee

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BabyInACorner :  I know this isn’t answering your question, but is there any reason why you want to have a baby right now?  There are a lot of issues that could come up, such as bed rest or other reasons that will hurt your ability to save.  Also, especailly in this political climate, I’m not sure that relying on Medicare or the Affordable Care Act is the best bet, especially if it is needed for a pre-existing condition.

I know you guys are excited but I’m just worried about you getting into a hole that will take years to get out of.  

Post # 13
Member
8983 posts
Buzzing Beekeeper

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BabyInACorner :  So your PLAN for after this as-yet-unconceived baby is born, is Medicaid? Do you understand that that is supposed to be a safety net for when something unexpected happens? It’s not meant to be relied upon as your long-term plan A. It’s really odd that you’re so casual about planning to go on public assistance. There’s no shame in using it when you need it, but you don’t need it. You’re planning on deliberately making it so that you need it. I don’t get it. Why are you ok with other people paying for your kid, that you’re making a conscious decision to have knowing full well you can’t afford it?

Post # 14
Member
5582 posts
Bee Keeper
  • Wedding: October 2017

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Daisy_Mae :  

Medicaid doesn’t cover much, either. the stories that I’ve heard make me very thankful that I have insurance

Post # 15
Member
7464 posts
Busy Beekeeper
  • Wedding: February 1997

Why would you not wait until you are 26 in order to enroll in a plan that includes maternity coverage? Why the rush to TTC when you are not financially in a position to do so?

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