A mere two years ago, or even one year ago, my husband and I did not have babies on the brain. In fact, we said it’d be at least 5 years before we talked kids. We have been dating since 2009 and married since 2014. We wanted some quality “us” time before that type of a life change.
Then we went to my 10 year high school reunion in September 2015. I honestly don’t think the fact that so many of my former classmates had kids is what prompted us to have the discussion to have kids, I think it just happened to be the right time.
I remember we were in Jacksonville, driving to the airport, when my husband asked what my thoughts were on having kids. Little did he know that I would jump on that idea like that [**snaps fingers**]. I mean, why wouldn’t I want to have a child with the person I was spending the rest of my life with?!
I happened to already have a day off for doctor’s appointments, so we decided to go see my OBGYN to have a consultation appointment. I already had an OBGYN that I had been going to since moving to Dallas in 2012, but my husband suggested I go to a doctor in one of the associations that he manages. I am glad we made that decision. Dr. Riesler and his staff have been so great during our consult appointments and every appointment we have had since then.
Here are the three ways we are winning in the preparation of our pregnancy.
Win #1 was that our insurance was changing around the same time that we were planning to start a family. We knew we had to pay closer attention in our insurance meetings than we ever had before. I pay $45 per pay period to my insurance through Blue Cross Blue Shield and have a deductible of $750, and an out-of-pocket max of $2,100. We can rest easy knowing that the most we will pay for medical for me in the year is $2,100. Tack on the fact that I got the FSA maximum of $2,500; it was a double-win! We are blessed to work for a great company with amazing insurance. If I was still at the company I used to be with, it would be maybe $600+ per pay period to have a child on the insurance (at least that is the ball park number I remember). Here, it is much more manageable.
Win #2 was that I signed up for Humana Supplemental Insurance. This is just that, supplemental. With my first overnight visit in the hospital, I will get paid $200 per day. Then in addition to that, on the first visit I also get the normal $275 per day. So my first occurrence, which will be my pregnancy, I am going to get paid $475 per day I stay in the hospital. I have since received paperwork through my insurance that my doctor filed stating I will be in the hospital at least three days. So, that is a whopping $1,425 that I will get through Humana. Now, you might be wondering how much money I have put into this supplemental insurance. I pay $11.64 per pay period. In one year I will have paid $279.36 to my supplemental insurance. It was a no-brainer, right? Exactly!
Win #3 was that I signed up for Humana Short Term Disability. Again, knowing we were going to try to have a baby, we wanted to be as prepared as possible. Maternity leave is covered, and depending on the type of birth I have, I will be covered for 6 or 8 weeks. With my short term disability, I am looking at either $4,500 or $6,000 that I will get in a lump sum payment from Humana. I have been paying a little bit more for short term disability than supplemental, but still, well worth the money. I pay $34.84 per pay period for this insurance, and will have paid $836.16 by the time baby Mark comes into the world.
Now that I am almost 17 weeks pregnant, the planner in me is very happy that we did our research before-hand regarding our insurance, and were able to get, not only the best insurance, but some pretty great supplemental and short term disability too. I know that extra money through my short term disability and supplemental will really be a blessing during my maternity leave.
More on my pregnancy to come!
Hi there! I'm Kara, of taking KARA myself! I've dabbled in blogging off and on for a while now. Mostly off. But I'm trying to change that and make a dent in this side of the world wide web. Enjoy!