We have excellent , however we plan on getting pregnant in about a year or so. Isn’t there some sort of "supplemental" you can buy through Aflac or something that will help us cover the 10% that we will be required to pay for the pregnancy that the didn’t cover?

 

  • katiesquilts 9:06 am on March 20, 2010

    It’s probably not worth your while to pay the premiums on this additional coverage, if your coinsurance is only 10%. Does your employer (or your spouse’s) offer an FSA (flexible spending account)? If so, elect to defer the amount that you will be responsible for, and take advantage of the tax break that it offers you. Don’t worry if you sign up for 2009 for a small amount (just to make sure you’re signed up for it) and then get pregnant with a 2009 due date–this is considered a qualifying event and you can increase your deferral. The key is to be signed up. Don’t forget, you can use your FSA funds for over-the-counter meds and first aid supplies, so if you defer money and don’t use it all, stock up on first aid supplies, cold meds, etc in December.

  • Countess 9:06 am on March 20, 2010

    What you are looking for is called Gap insurance. It covers the what is not paid on your deductible. The several policies I have seen are very expensive. The premiums would probably cost as much as your total out-of-pocket expense on your insurance.

    Aflac has a hospitalization policy that pays for time spent in the hospital, but you have to have it in place for 10 months before you can use it for pregnancy.

    Find out your maximum out-of-pocket costs on your policy and you will know how much you need to save to pay for the baby.

  • mbrcatz 9:06 am on March 20, 2010

    Nope, there isn’t. That’s because only the people who wanted to use it, would ever buy it. Kinda like cosmetic surgery insurance. Or infertility coverage.

    Best thing you can do is find another job, where the employer offers more comprehensive coverage.

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