After having a baby, the first thing many growing families in Texas begin to think about is how to provide for their children if one or both parents pass away early.

Get an estimate of monthly premium costs, and apply for coverage to protect your family and enjoy peace of mind.


The average cost of IVF in Texas is impossible to measure. Each couple pays a different price depending upon the clinic, and optional treatments. The real differences emerge upon conception.

Choosing the right set of healthcare benefit plans needs to occur before starting a cycle. Mom’s pregnancy requires proper medical care, and you do not want her to take an unpaid maternity leave.


Premium costs and continued access for healthcare 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.


Traditional health insurance makes payments directly to practitioners after providing medical services. The plans do not replace income while the member is unable to work. Texas does not offer a state temporary disability program.

Residents should purchase private short-term disability to protect their income in case of an accident, illness, or pregnancy.


Couples in Texas who are trying to conceive have an important option coupled with a need for a strong voice. The state In Vitro Fertilization mandate requires certain group health benefit plans to offer policies covering IVF treatments.

This gives couples an advantage, but does not guarantee that employers will choose the ideal plan for them. You need a strong voice in order to make your needs known.


Health insurance maternity riders no longer exist in Texas! The Affordable Care Act requires individual plans to cover ten essential health benefits including maternity, hospitalization, and newborn care.

Families may qualify for premium and cost sharing subsidies. However, do not pick the cheapest plan. Your utilization may be very high, so gold or platinum plans often work best.