Many couples anxiously await the day when they see those double lines on their early pregnancy test strip that declare: you’re pregnant! A woman may experience symptoms that indicate good news is on the way, and a strip is an easy way to get a strong indication before getting a more reliable exam from her doctor.
Disappointment begins when a couple has been trying to conceive for some time, but the indicator comes out negative. While the news can be discouraging for couples looking to start a family, there is also a bright side. It’s not too late to make important decisions that could affect the family for years to come.
It’s not too late!
It’s in human nature to tackle problems and think about them when they appear on our radar screen. Starting a family takes some thinking and planning beyond are we pregnant? An important example is the purchase of insurance. For most insurance needs, you should take out your policy before you wreck the car, before the wind blows the roof off your house, before you get sick or injured, and for growing families, it’s before you get pregnant.
The positive side of a negative result is a wake-up call to get the right insurance coverage without wasting any more time. While we all expect and hope that having a baby will be a happy health experience, not all pregnancies work out that way. Twenty-five percent of women will experience one or more complications, and twelve percent of babies are born prematurely and may have serious medical problems.
Pregnancy is considered a pre-existing condition by most health insurance plans. You must have the right coverage before you are blessed by conception. Make sure your primary health insurance covers normal maternity, as many do not. You may need to buy a pregnancy equestrian plan which can come with a long wait or have a large deductible.
Think about paying all your bills
Another important consideration is making payments on your mortgage, car, and credit cards. Adding another family member increases costs, and these costs often escalate just when mom has to leave work to give birth to her baby. Paying extra bills when an income drops can be a struggle for many couples.
In the US, most women take unpaid maternity leave. Some are lucky enough to work for employers with a paid leave policy, but this is rare. A larger group of women work in one of the five major states with mandatory disability plans that replace a portion of income during maternity leave. Even those who do have state plans are finding holes: New York only pays a miserly $170 a week.
The remaining couples will have to buy a short-term private disability policy before they see those double lines on their test. A normal delivery is covered if the delivery takes place nine months after the start date of the policy. Those with state plans can supplement their income replacement.
Get coverage for your next trip to the pharmacy.