Daycare.com Forum

Go Back   Daycare.com Forum > Daycare Insurance

Daycare Insurance Discuss your insurance and liability concerns here.

Reply
 
Thread Tools Display Modes
  #1  
Old 01-16-2014, 11:45 AM
Stepping's Avatar
Stepping Stepping is offline
Daycare.com Member
 
Join Date: Jul 2013
Location: Illinois
Posts: 218
Default Health Insurance Policies For Maternity

We are thinking about trying for a second baby. I was employed when I conceived my first and had great medical coverage through my employer.

The individual plan I pay for now does not cover maternity costs. How do you pay for your maternity costs when you're self employed? Are there separate policies or do I add to my existing policy? If anyone knows of a good insurance company to contact, I would appreciate the advice.

Also, anyone used Aflac for short term disability? I'm thinking of one of their policies to cover my maternity leave.

TIA
Reply With Quote
  #2  
Old 01-16-2014, 01:42 PM
Blackcat31's Avatar
Blackcat31 Blackcat31 is offline
 
Join Date: Oct 2010
Posts: 5,488
Default

Quote:
Originally Posted by Stepping View Post
We are thinking about trying for a second baby. I was employed when I conceived my first and had great medical coverage through my employer.

The individual plan I pay for now does not cover maternity costs. How do you pay for your maternity costs when you're self employed? Are there separate policies or do I add to my existing policy? If anyone knows of a good insurance company to contact, I would appreciate the advice.

Also, anyone used Aflac for short term disability? I'm thinking of one of their policies to cover my maternity leave.

TIA
I don't personally know anything about maternity costs but my friend who is self-employed used Combined Insurance (VERY similar to AFLAC) and had 6 weeks of maternity leave covered.

I don't know the specifics or the cost but you can google Combined and maybe it will tell you.

I do use Combined as a supplemental insurance for accidents and/or sickness.
Reply With Quote
  #3  
Old 01-16-2014, 02:00 PM
cara041083's Avatar
cara041083 cara041083 is offline
Daycare.com Member
 
Join Date: Aug 2013
Location: Kansas
Posts: 565
Default

From my experience. I had one baby when my plan didn't have maternity coverage. I basically had to pay the doc upfront by the 7 month (they take off I think like 40% if you get it paid off before the baby is here) and then I set up payment plans with the hospital. Here is what I learned:

1. depending on where you are, most states offer Medicaid if you are prego (they have different requirements for pregnant woman)

2. You most likely can not add it to your coverage. You might check though because with the new laws I think they might have to cover you for that. ( unless your deductible is so high that it doesn't make a difference)

3. If you do decide to pay the doc up front its called a global fee. That will cover all your visits, the birth, and 1 sono. All of your labs and extras (like epiderarl) will be billed separate) and so will the hospital bill. Then when the hospital bill comes in you can see if you qualify for financial help with it and that may lower it.

As for the baby, he or she should be covered but I would call and check. I don't think that falls into maternity benefits.

Good luck
Reply With Quote
Reply

Tags
disability, insurance, maternity, pregnancy

Thread Tools
Display Modes

Posting Rules
You may post new threads
You may post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off

Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Where Do You Get Your Health Insurance? LeslieG Daycare Center and Family Home Forum 7 04-16-2013 08:48 AM
Health Insurance Premiums: Still Claimable? MarinaVanessa Daycare and Taxes 14 02-20-2013 12:04 PM
Another Health Insurance Question wdmmom Daycare and Taxes 1 02-19-2013 02:49 PM
Health Insurance Premiums, Help Please Unregistered Daycare and Taxes 3 05-14-2012 05:10 AM
Health Insurance safechner Daycare Insurance 8 02-25-2010 10:21 AM


All times are GMT -7. The time now is 03:14 PM.



Daycare.com         Find A Daycare         List Your Daycare         Toys & Products                 About Us

Daycare.com
Please read our Disclaimer before continuing.

Topics pertain mainly to the following States:

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming