Growing Family Benefits
- Don't get pregnant without us!
- Enjoy security for your family
- Ask for employee paid options at work
Welcome to Growing Family Benefits
Health Insurance Benefits for Growing Families
Growing Family Benefits helps couples find 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: supplemental health insurance, and flexible spending accounts.
Insurance carriers don't like covering planned events or pre-existing conditions making it very hard for growing families to find coverage. But insurers love selling to employee groups. This is the key to finding health insurance 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!
Health Categories for a Growing Family
Short Term Disability Insurance For a growing family, no health insurance plan is complete without protecting household income. Many couples are just starting to expand expenses for a new home, bigger car, with added spending for a newborn. Both mom and dad can get sick or hurt at any time. Plus, mom is often planning to be disabled during her maternity leave. Short term disability is an ideal purchase.
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Infertility Health Insurance Many growing families are waiting to later in life to start having children. As we age our chances of conceiving go down, and the cost of getting pregnant rises. Most health insurance plans do not cover infertility unless compelled by state mandate. Learn which states require coverage, and how find coverage if possible. If not discover ways to reduce costs, and how supplemental insurance provides a solution for your biggest expense: getting pregnant.
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Maternity Health Insurance A growing family needs to have maternity insurance coverage in place before getting pregnant.The right policy is critical for the health of mom and her baby. But finding a policy that covers normal pregnancy is not always easy. Insurers understand that pregnancy is both expensive to insure, and anticipated by couples looking to purchase health insurance. Several states mandate coverage, while others allow insurers to exclude normal pregnancy. Find states insurance laws, alternatives available in every state, and maternity leave regulations that protect your job and income.
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Family Health Insurance: Fill Holes
Family health insurance benefits found through traditional plans have many gaps in coverage. Group health plans are great if provided by your employer. Since these programs generate direct costs to employers, not every growing family has access. Suitable family options are rarely found in the individual marketplace, as insurers lose money on most policies.
Voluntary employee programs fill important holes for couples while they are trying to conceive, during pregnancy, and on maternity leave. Get the coverage you need without adding to your employer's direct costs.
Voluntary employee programs fill important holes for couples while they are trying to conceive, during pregnancy, and on maternity leave. Get the coverage you need without adding to your employer's direct costs.
Voluntary Employee Benefits 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. They fill the gap between company paid entitlements, and programs found on the individual market. There is no direct cost to your employer to make these options available to you and your co-workers as the policy premiums are paid by payroll deduction.
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Asking for Maternity Entitlements Asking for maternity entitlements at work is the answer to many family health insurance needs. Coverage is just not available when bought direct. Ask your employer to make voluntary employee programs available at your work site. Your privacy will be guarded, your employer gains, and you co-workers will thank you for expanding their options.
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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.
