(Closed) TTC Insurance Questions?

posted 6 years ago in TTC
  • poll: How are you covered for insurance?
    My employer based plan--it's great : (13 votes)
    41 %
    My employer based plan--it's awful : (1 votes)
    3 %
    An individual plan : (2 votes)
    6 %
    A small group plan : (0 votes)
    I don't have insurance : (2 votes)
    6 %
    I have a Midwife/doula/alternative to insurance : (0 votes)
    I qualify for state sponsored insurance : (2 votes)
    6 %
    I live in a country with universal health care : (2 votes)
    6 %
    My school insurance : (0 votes)
  • Post # 3
    607 posts
    Busy bee
    • Wedding: October 2010

    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
    2825 posts
    Sugar bee
    • Wedding: April 2012

    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
    2825 posts
    Sugar bee
    • Wedding: April 2012

    @foodnerd81:  You are correct, however it won’t go into effect until Jan. 1st 2014

    Post # 6
    7901 posts
    Bumble Beekeeper
    • 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 # 8
    411 posts
    Helper bee
    • Wedding: October 2011

    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!

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