Anyone use supplemental insurance (such as Colonial or Aflac) for pregnancy?

Question

I'm looking for information from people who had supplemental insurance when they got pregnant like Colonial Life or Aflac. What type of benefit did you get after having the baby? Money for your stay in the hospital?

I'm thinking about having another baby and wondered if signing up for something like this before getting pregnant is worth it. I have a friend at work who used it through our job and got $1400 after birth. Our employer no longer allows the insurance through auto deduction. So basically I'm trying to find out if getting it on my own would be worth it.

Thanks for any info!

Answer 1

We tried Aflac after the agent promised all kinds of benefits, in the end it ended up costing us more than anything and our claims got rejected that were preganancy related. We kept going into his office, and never received $1 for anything from prenatal care to the delivery.

Answer 2

The only insurance I knew about for pregnancy w/ Aflac is their short term disability which is about $50 a week and cant be used for the 1st 3 mos. that the coverage is taken out. It helps suppliment the income you dont get if your company doesnt offer pay while on maternity leave. It also doesnt cover the first week and only covers up to 6 weeks (pays 5) for regular vaginal delivery or covers 8 weeks (7 paid) for c-section. Personally, I didnt think it was worth the money. You could save the money you needed vs. paying for the short term disability insurance w/ them. Thats the only kind I knew they have. I didnt realize they have a regular/supplimental insurance. I live in SC. They may offer certain things in certain states. Good luck!

PS: For the co-pays, if they do offer supplimental, your premiums or your deductible would probably make it more costly than just going with your regular insurance that has maternity coverage. Because if you have a supplimental, you'd have to pay those deductibles on top of your reg. insurance deductibles, on top of the % you are responsible for. If that makes sense.