State-based financial assistance programs in Texas have two distinctions important to families having children: access to IVF coverage, and maternity and newborn care.
The IVF mandate requires health-insuring companies to offer a program covering IVF treatments. The Affordable Care Act mandates ten essential health benefits. Income security is available for resident purchasing private disability coverage.
Parents having children are not the only group needing financial assistance with medical costs. Many patients find themselves with surprise balance bills from out-of-network doctors or hospitals.
Texas has a comprehensive set of consumer protection laws that can minimize your exposure to surprise charges. They also place restrictions on methods used by collection agencies.
Prospective parents who are trying to conceive often need financial help just to bring home a baby. Couples struggling with infertility often must pay out-of-pocket for many treatments.
Texas does have an insurance mandate requiring companies to offer a plan covering IVF. However, many people are left out in the cold. In addition, the procedures often lead to lost income and extra medical expenses when mom delivers her baby.
Premium costs and continued access for health care plans become a big issue for growing families when they bring a new baby into the world. Many families lose their group health coverage or must pay far more in premiums while on leave from work.
Texas has few state-specific family leave laws. Federal regulations provide job protection and health continuation rights, but with qualifying criteria.
Parents having children in Texas are often most in need of financial assistance when taking a leave of absence from work. The state does not offer a program replacing income.
Residents should purchase private short-term disability to protect their income in case of an accident, illness, or pregnancy.