Post # 1
Hi everyone. What are those of you without corporate jobs with big group plans doing for insurance? We are TTC, but I have some insurance issues. First, I’m a grad student getting ready to leave my program. I could go cobra, but that is expensive. I am applying for jobs which would provide insurance, but I want a back up plan in case I end up having to freelance (which I have done before). I don’t want to go back on individual insurance since there are so many fewer laws around coverage, and you seem to get screwed for maternity. I WISH we had universal health care in CA/US so we wouldn’t have to worry about these things! I will gladly pay the taxes.
What have other self employed or small business bees done? Has anyone done small group insurance in CA lately? We will be talking to insurance agents next week, but I wanted to know what others have done.
What is the best bet for good maternity coverage for small business owners? Are there supplemental maternity riders people have gotten? How did thise work for you? Hopefully I get a full time job with benefits, in which case Darling Husband will come on my insurance, but I want us covered regardless.
Details: We are considering getting into small group insurance through my husband’s small company. We are both owners, and would be the only ones going on the insurance plan. The only other elligible person (also an owner) already has insurance through another job and doesn’t want it through the company.
Post # 3
I haven’t dealt with this personally, since I have a group plan through work, as does Darling Husband, but I think one of the big things with Obamacare was that individual plans now are required to cover maternity? I could be wrong and I definitely don’t have the details, but I’d look into that. Maternity/pregnancy also can no longer be classified as a pre-existing condition.
Post # 4
I can’t really help. we have Individual insurance… But we plan (as long as everything goes well) to have a midwife/birthing center birth whenever we have kids… Although we are hoping to get pregnant so we would deliver after the Affordable Care Act goes through (Jan 1st 2014) which will make maternity/delivery coverage mandatory so if there were an emergency or complications and had to deliver in a hospital it would be covered. That’s our plan for getting around the insurance hurdle, now if for some reason the ACA doesn’t go through and we have to deliver in a hospital and it isn’t covered we found hospitals that give discounts for people without coverage to help minimize the costs.
Post # 5
@foodnerd81: You are correct, however it won’t go into effect until Jan. 1st 2014
Post # 6
- Wedding: March 2012 - Pelican Grand Beach Resort
Check your grad insurance. Some group policies (including graduate student insurance) are required to cover full maternity costs if you get pregnant while covered even if your coverage ends before you deliver. This will depend on your state and your insurance company. My first 6 years of grad school, this was in our plan, but it was not when the university switched carriers for my last year of grad school (which is when I got pregnant…).
Post # 7
Thanks ladies, these are all good points. I HATE dealing with insurance, but I hadn’t thought about individual plans after the ACA takes effect. Unfortunately, I really don’t want to have to wait that long!
Post # 8
I am self employed and will be signing up for individual insurance when we start TTC. California passed a law that went into effect last year that requires individual insurance providers to cover maternity. So any individual plan in CA will cover you. There are a lot of options. I used ehealthinsurance.com to do my research. Good luck!
PS I though I wouldn’t be able to collect state disability but I recently found out that there is an elective plan self employed people can sign up for (and pay into based on your income) that will then cover you through SDI and the paid family leave act. I haven’t applied for it but the information is on te state disability website. I think it’s called the “State Disabilty Elective Coverage” plan. Hope this helps!