Growing Family Benefits helps couples find supplemental health insurance and tax saving programs to help take the financial worry out of pregnancy and child care. We can help you to cut fertility costs, create maternity leave income, gain security during pregnancy, and lower child care costs using voluntary employee benefits.
Insurance carriers don’t like covering planned events making it hard for growing families. But insurers love selling to employee groups. This is the key to finding the options that your growing family needs.
There is no direct cost to your employer to give you this option, but there is great value to your family. Ask your employer to make these valuable programs available to you and your co-workers!
Supplemental Insurance Fills Holes
Supplemental health insurance fills important holes for couples while they are trying to conceive, during pregnancy, and on maternity leave.
Short Term Disability Insurance – For a growing family, no health insurance plan is complete without protecting household income. Both mom and dad can get sick or hurt at any time. Plus, mom is often planning to be disabled during her maternity leave.
Voluntary Employee Benefits are Great Maternity Plans – Voluntary employee programs help growing families more than any other population segment. Two supplemental insurance programs along with flexible spending accounts provide valuable advantages for couples coping with infertility, while pregnant, and after childbirth.
Ask for Paid Maternity Leave at Work – Asking for voluntary benefits is the simple answer to many family health insurance needs. Coverage is just not available when bought direct.
Holes in Family Health Plans
Growing families face many holes when protecting their finances. Insurance and parental leave laws are a tangled mess.
Infertility Health Insurance – Most health insurance plans do not cover infertility unless compelled by state mandate. Learn which states require coverage, and how find coverage if possible.
Maternity Insurance and ObamaCare – The right policy is critical for the health of mom and her baby. The Affordable Care Act presents a host of options, outcomes, and gaping holes.
Maternity Leave Laws – Regulations may protect your job and income. Or you may find that you have little or no security.
Cost of Raising Children – Making the right insurance choices can make a big difference if you know how the rules work for: covering newborns, child only policies, dental plans, life insurance.
Life Insurance Comparisons – Starting a family also means looking out for the long term needs of your children. But many families delay in making this important choice out of confusion about the many options, and the cost of coverage.
Bed Rest Disability
Our fertility specialist said our high-risk pregnancy might require 6 months of bed rest. Thanks to our short term disability policy, we can afford our growing family. – Patrick & Michelle C