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snowygirl
Active User, Really EHEALTHy
Joined: 31 Oct 2005
Posts: 807
Location: hawaii
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Pregnancy Insur. Cost
Posted: 03-04-06 21:12pm
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Hey im still ttc but I was wondering so
when u are preggy do u have to buy a
separate insurance than ur normal one?
Like some kind of maternity insurance?
Also do u know the approximate cost
thanks.
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yellow ribbon
Especially EHEALTHy
Joined: 07 Dec 2005
Posts: 5554
Location: FL
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Posted: 03-04-06 21:33pm
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You shouldnt have to but your current
insurance will be able to tell u. Arent
u stationed in hawaii cuz your hubbys in
the military?
Had to edit cuz I typed should the first
time sorry
Last edited by yellow ribbon on 03-04-06 22:03pm; edited 1 time in total
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fatfamily02
Extremely EHEALTHy
Joined: 20 Jul 2005
Posts: 3050
Location: Georgia, USA
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Posted: 03-04-06 21:57pm
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Usually pregnancy is included--your
provider would know.
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snowygirl
Active User, Really EHEALTHy
Joined: 31 Oct 2005
Posts: 807
Location: hawaii
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Hehe
Posted: 03-04-06 22:11pm
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My hunny is not in the military lol, maybe
its designergal ur talking about?
Yeah I guess I need to find out with my
current insur. Thanks macysmama
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yellow ribbon
Especially EHEALTHy
Joined: 07 Dec 2005
Posts: 5554
Location: FL
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Posted: 03-04-06 22:16pm
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I new it was someone in hawaii sry but ya
most insurances cover u until the babys 6
weeks then u have to add them to your plan
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Sunflower_pie81
Especially EHEALTHy
Joined: 17 Jan 2006
Posts: 5041
Location: to hell with this crap
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Posted: 03-06-06 10:43am
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I work for an insurance company and I
havn't heard of anyone having to add
pregnancy coverage. I don't think that
there is any such thing. Now I do know
that if you don't have any coverage you
can go to a provider and if they are a
provider for medicaid then they can hook
you up for it.
Once your little one is born your coverage
will cover the baby for about 4-6wks after
the baby is born. It depends on the
insurance company. If you don't have the
baby signed up before your 4-6 weeks is up
then the baby will no longer be covered.
So dont' get lost in your new little one
before the time has passed. If you don't
get them enrolled during that time you
will have to wait until re-enrollment
which isn't good.
Hope this helps
genipher
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fatfamily02
Extremely EHEALTHy
Joined: 20 Jul 2005
Posts: 3050
Location: Georgia, USA
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Posted: 03-06-06 11:10am
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And to get them added to the insurance,
you must have a social security card--most
cases. And in most states you need 2
forms of id. Birth certificate(hospital
preferrable will work) and the little card
that goes on the bassinet when he or she
is at the hospital. Is a form of id.,
(or the little id braclet.) .I
would make sure and take both of them down
there with you. You might can use the
hospital birth certificate---but may also
need the real birth certificate for the ss
card. I just knew this lady one time--in
the ss office trying to get this stuff for
new baby. And this is what I heard.
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Sunflower_pie81
Especially EHEALTHy
Joined: 17 Jan 2006
Posts: 5041
Location: to hell with this crap
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Posted: 03-06-06 11:42am
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Wow.......I got to say that that is alot
of work....All we have to do at our work
is add them electronicly. Of course
everything we do is electronic.
However every ins company is different.
You will have to call your ins company to
see. We here understand that 6 weeks old
baby doesn't have a bc yet and it's hard
to get all of that in only 6 weeks.
Just call your company and request
information about adding your little one.
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fatfamily02
Extremely EHEALTHy
Joined: 20 Jul 2005
Posts: 3050
Location: Georgia, USA
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Posted: 03-06-06 12:07pm
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| sunflower_pie81
wrote: | wow.......I got to say that
that is alot of work....All we have to do
at our work is add them electronicly.
Of course everything we do is
electronic.
However every ins company is different.
You will have to call your ins company
to see. We here understand that 6
weeks old baby doesn't have a bc yet and
it's hard to get all of that in only 6
weeks.
Just call your company and request
information about adding your little
one. |
yes, exactly this woman didnt think she
needed anything either. It was like
the last
few days before his six weeks, and
the ss office was messing with her--and
she didnt know what to do. I dont know
if she still had the card or the id
braclet--so ladies---please for baby
sake---do
not wait until last minute .I know
how it is with new baby--how time flies,
when we are havin so much fun. Maybe it
would be a good idea to check with
insurance provider before the little guy
even comes!!?
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smurfsgirl
Experienced User , Rather EHEALTHy
Joined: 04 Jan 2006
Posts: 196
Location: PA
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Posted: 03-06-06 12:18pm
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I would just call the insurance company
and find out for sure. But most
insurance companys cover you while you are
pregnant. Also if you have aflac
disability, and you have had the insurance
for at least one year they will pay you a
% of your wages when you are on maternity
leave, I think they will pay you for 8-12
weeks.
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fatfamily02
Extremely EHEALTHy
Joined: 20 Jul 2005
Posts: 3050
Location: Georgia, USA
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Posted: 03-06-06 13:31pm
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Yes, and some may even provide maternity
leave. Like ^^ poster said. Good
idea--to check it all out now.
Good luck ladies.
Always,
joanna
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Sunflower_pie81
Especially EHEALTHy
Joined: 17 Jan 2006
Posts: 5041
Location: to hell with this crap
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Posted: 03-06-06 14:26pm
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Short term disability and medical coverage
are different, a lot of people don't
realize that they have short term
disability. They sign up for it and then
forget about it.
Aflac offers disaiblity insureance as
does allstate, blue cross and blue shield,
and others, you will need to pull your
policies most disability coverage will pay
for your maternity leave from 6 - 8 weeks
unless there are complications healing or
prior to delivery. As long as you aren't
pre-existing they will pay for the
delivery. I do know that allstate
disability insurance for individual
coverage has a clause that states that you
must hold the policy for 10 months before
you can deliver your child or they will
not pay you.
All I can say is call your ins company or
read your insureance policies.
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fatfamily02
Extremely EHEALTHy
Joined: 20 Jul 2005
Posts: 3050
Location: Georgia, USA
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Posted: 03-06-06 15:54pm
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Yes ma'am mine was seperate. And I did
sign up for it---but my company forgot to
take the benefits(short term and permanent
disability) charges out of my checks--i
assumed they were included with the very
expensive insurance I had. So now I get
575.00$ a month for the rest of my life
instead of a little over 600.00$ every two
weeks. My company is multi--billionaire
company--too
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tigresacanela24
Especially EHEALTHy
Joined: 11 Nov 2005
Posts: 5261
Location: Treat your children well, eventually they'll choose your nursing home.
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Sunflower_pie81
Especially EHEALTHy
Joined: 17 Jan 2006
Posts: 5041
Location: to hell with this crap
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Posted: 03-06-06 16:38pm
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| tigresacanela24
wrote: | | huh? |
huh? Tig your too funny
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designerGAL
Experienced User , Rather EHEALTHy
Joined: 02 Dec 2005
Posts: 213
Location: U.S.
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Posted: 03-06-06 17:36pm
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Lol...Yeah my husband is the one stationed
in hawaii. We do not have to pay for a
thing to have a baby...But I question the
care I will recieve. They will only give
me one ultrasound too! I have one
scheduled on march 23...Can't wait to find
out what we are having!
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tigresacanela24
Especially EHEALTHy
Joined: 11 Nov 2005
Posts: 5261
Location: Treat your children well, eventually they'll choose your nursing home.
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Posted: 03-06-06 17:38pm
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Hope you get what you want! I wanted a
girl :( I was disappointed at first but
i'm starting to get excited about the idea
of a boy.
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designerGAL
Experienced User , Rather EHEALTHy
Joined: 02 Dec 2005
Posts: 213
Location: U.S.
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Posted: 03-06-06 17:46pm
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It probably puts the pregnancy in a whole
new perspective once you find out the sex!
I am so excited. I think I would rather
have a boy first, but I feel like I may
have a girl. Who knows!
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tigresacanela24
Especially EHEALTHy
Joined: 11 Nov 2005
Posts: 5261
Location: Treat your children well, eventually they'll choose your nursing home.
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Posted: 03-06-06 18:01pm
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It definitely makes the baby seem more
real...
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fatfamily02
Extremely EHEALTHy
Joined: 20 Jul 2005
Posts: 3050
Location: Georgia, USA
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Posted: 03-06-06 23:00pm
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| tigresacanela24
wrote: | | huh? |
you were talkin to me, right?? You were
saying it is seperate for temporary and
total disability--seperate than the
insurance itself. I was just
saying--yeah I know that one now--after
they cheated me outta mine and I became
disabled working there. And because it
was seperate it was a seperate
premium--that I did not pay--cuz they
forgot to take it outta my checks. Even
though they did prove I had signed up for
it---and I would have only paid like a
$60.00 total premium to have total
disability today--thru my company. But
instead I get 575$ a month from .S.S.I
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