Welcome to Growing Family Benefits

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

Health Insurance Benefits for Growing Families

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 - or family health insurance benefits.

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 the family health insurance benefits that you need.

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 benefits available to you and your co-workers! 

Key Health Benefits Categories For a Growing Family

InfertilityInfertilityInfertility health insurance coverage is a very difficult to find family health benefit. Infertility coverage is only offered when compelled by state law. This is the key to finding a policy that covers infertility. And if you can’t, it’s vital to understand costs, preserve assets, and protect your finances during pregnancy, and after delivery using voluntary employee benefits.
MaternityMaternityMaternity health insurance is another important family health benefit. Proper medical care during your pregnancy is crucial to the health of mom, and her unborn baby. But finding coverage can be very hard if you are already pregnant, or if you live in one of many states that do not mandate maternity coverage for individual policies. Learn how voluntary employee benefits fill holes found in maternity rider policies.
DisabilityDisabilityShort term disability insurance is an important family health benefit. Traditional health plans pay your doctors, hospitals, and other medical providers if you get sick, hurt, experience pregnancy complications, or go on maternity leave. Your health event might cause you to miss time from work. How long can you pay your bills with limited or no income? For many the answer is: not very long. 

Family Health Insurance Benefits: Fill Holes

Family health insurance benefits found through traditional plans have many gaps in coverage. Voluntary employee benefits fill important holes for couples while they are trying to conceive, during pregnancy, and on maternity leave.
Voluntary BenefitsVoluntary Benefits

Voluntary employee benefits allow employers to expand benefit options to employees without adding to direct costs. These programs help lower control costs for workers compensation and group health insurance while expanding benefit options for employees.

Asking for Maternity BenefitsAsking for Maternity Benefits

Most employers are happy to make maternity benefits available to employees when there is no direct cost. Ask your employer to expand benefit options for you and your co-workers, and allow you to pay yourself by payroll deduction. Most employers who don't offer voluntary benefits think their employees are not interested. All you have to do is ask. Ask and it will be given!

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