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Anne Said:

Does insurance cover maternity expenses?

We Answered:

I AM BASICALL AN MEDICAL INSUARNCE CONSULTANT.

YES IT IS AVAILABLE. WITH 9 MONTHS WAITING PERIOD.

MINIMUM OF RS.20,000 AND MAXIIMUM OF RS. 50,000 IS AVAILABLE.

YOU CAN CALL MY MOBILE NO:
+ 91 98847 00189
FOR FURTHER DETAILS

Ray Said:

I'm pregnant and want to apply for Medical, but I have my own health insurance that don't cover maternity?

We Answered:

Currently having a health insurance policy will not restrict you from getting Medicaid as long as you otherwise qualify.

Fred Said:

What does insurance usually cover for maternity??

We Answered:

Normally, doctors bill a global fee for maternity. (This means that they bill their normal charges for prenatal care and the delivery in one lump sum.) The global fee covers all the normal doctor charges - if you end up being high risk, the doctor gets an additional allowance.

In addition to the doctor charges, the hospital will bill for services (normally a 2 day stay for a vaginal delivery, a 4 day stay for a c-section). There may also be anesthesiologist charges (if you have an epidural or a c-section), lab fees, etc.

A normal maternity policy will provide coverage for all of those things. (Following your deductible provisions, of course.)

Additionally, the baby will have his/her own separate hospital charges, fees for any pediatrician services in the hospital (consultations/examinations, circumcision if you have a boy and choose to have this done, fees for any testing/shots, etc.), etc.

This is important to keep in mind when considering your deductible - it won't just be a deductible for you, the baby will have his/her own deductible to meet also. (If you have a family maximum deductible, then charges applied to deductible for you, the baby, and any other family members on the policy throughout the year will be subject to those deductible provisions.)

Anne Said:

What does an Additional maternity insurance cover that my regular insurance might not?

We Answered:

Under your circumstance,I suggest here http://www.InsuranceFreeTip.info/insurance-for-free.htm for you to have a visit.

Gary Said:

Purchasing insurance to cover maternity leave in California?

We Answered:

The State pays a percentage of your income, mine was around 65%. You can purchase supplemental insurance like AFLAC that will pay you more. I had only a small AFLAC policy in place when my first son was born and I think it only added another $75 a week, but I think you can buy more. You probably can only do this when your employer has open enrollment for insurance (usually at the end of the year).

As for leave, here is the rundown on leave in California:

* The FLMA act protects your job for 12 weeks. It's a federal act and has nothing to do with pay.

* In California, you get Disability pay for 6 weeks. If you leave before the baby is born, that's when your leave starts (unless it is medically necessary). There is a one-week waiting period before the pay starts and some employers make you use your vacation time.

*After 6 weeks (or longer if you have complications or a C-section), you are no longer "disabled" and now you get the Paid Family Leave. It is six weeks at the same dollar amount and all paid by EDD.

The baby's father gets the paid family leave also!

Note that you are not required to take the paid family leave right after the disability, nor is the father required to take his leave right after the baby is born. My husband took his leave when our son was 7 months old and I went back to work.

Wallace Said:

Does disability insurance cover maternity leave or does this come from your company?

We Answered:

Disability will cover up to 12 weeks of maternity leave and if you take FMLA, you don't always get paid for it - it just guarantees your job when you come back. Many people save up their personal/sick/vacation days and take them first and THEN take the maternity leave which is often after they've delivered the baby to get the most paid time at home.