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Maternity Insurance Michigan Question & Answers

2015 August 16
by Sarah Fields

Linda asks…

What would you do in this case?.. Am I asking too much?

have been with this company for 4 months now and I am 5 months pregnant… which I did not know when I was hired. This is one of the best places I know for being an understanding type place- atleast what I can tell so far. They pay health insurance premiums 100%, I’m getting temporary disability during my maternity leave- 2/3 salary paid while I’m gone, and they seem to be very understandable with my doctor’s appointments and such. I feel like they are doing so much for me already- but here’s what I’ve been thinking…. I am diabetic and this is my third child. The first two came early, mostly from pushing myself too hard toward the end. The kind of work I do can be done from home with the proper computer programs and a decent computer / laptop. Would it be asking too much if I asked them to loan me a laptop and let me consult from home- starting like 4 weeks from my due date to the end of my leave? I’m afraid of being told no and being let down- need some input!! THANKS!

Sarah Fields answers:

If you think that working form home will help definitely ask. Many employers are just as concerned about healthy employees as they are about profits. A healthy employee always has the possibility of being more productive than one that is not.

Before you go to talk to your supervisor to work from home or flextime, try to find out as much as you can about their policies. This might involve reviewing the company handbook or casually talking to HR managers. The more information you can get the better equipped you will be in the actual conversation.

Also think about the pros and cons of working at home from the perspective of your employer. Have a plan and framework of a work schedule. Show them concrete ways that you will keep up your productivity, and any other benefits this will have for them. Since you have your own concerns and apprehensions, they are sure to have their own as well. Do your homework. Have alternatives and be as flexible as possible. The more serious you are about this, the more serious they will consider your situation.

Just to note…
In a Michigan State University study, Ellen Kossek, PhD, concluded that people who work from home work longer than their office counterparts, spending up to an extra seven hours a week working. In addition, people working from home are likely to end up with more family conflict, as home workers struggle to establish boundaries between family and home. So, those are some things to think about before you make a final decision.

Good Luck!

Susan asks…

what is the pay rate for maternity leave pay in Illinois?

Sarah Fields answers:

I believe it depends on the insurance coverage you have since that’s who pays you during maternity leave – not your employer. Check with your HR manager at your work. I live in Michigan. My insurance coverage pays 67% of my weekly gross salary, but has a $500 cap. I get 6 weeks paid for vaginal delivery and 8 weeks paid for cesarean.

William asks…

Pregnant with no insurance?

First of all, please no criticisms. I am six weeks pregnant and have no health insurance. This past year my fiance (this is his account that’s why the avatar is a guy) claimed me on his taxes as married. Because of the tax situation I don’t think I’ll be eligible for Medicaid. While his income is very good, we have a lot of financial things going on right now. We are closing on a house this coming week, his teenage brother is living with us, etc. I don’t expect to have my costs completely covered, but are there any programs out there that may assist in the cost of prenatal care and labor&delivery? Also, about how much is it for prenatal care and labor with a two day hospital stay?
To cope_acetic…screw you. You don’t even know me.

Sarah Fields answers:

I like most of the answers allready, there are some smart people here! Go get on medicaid girl. Just don’t tell them about the tax deal. Single and pregnate will be of help to you. My daughter in Michigan just had a baby on Sept. 5th. She applied and got on medicaid, and WIC, and food stamps, and her husband works. Michigan has a program for pregnant women.

Health Care Programs for Pregnant Women

Healthy Kids for Pregnant Women – Medicaid is available to an eligible woman while she is pregnant, including the month her pregnancy ends and during the two calendar months following the month her pregnancy ends, regardless of the reason (for example: live birth, miscarriage). There is an income limit for this program. Contact the local Department of Human Services in your county to apply for this program.

Group 2 Pregnant Women – A woman who has income that exceeds the income limit for Healthy Kids for Pregnant Women, may be eligible for Medicaid under the Group 2 Pregnant Women program. If income is over the limit, persons may incur medical expenses that equal or exceed the excess income and still qualify for this program. Contact the local Department of Human Services in your county to apply for this program.

Maternity Outpatient Medical Services (MOMS) – The goal of the MOMS program is to provide immediate health coverage for pregnant women. It provides outpatient prenatal coverage only. The MOMS program is available to provide immediate prenatal care while a Medicaid application is pending. Other women who may be eligible for MOMS include:

* Teens who, because of confidentiality concerns, choose not to apply for Medicaid, and

* Non-citizens who are eligible for emergency services only.

The woman must use Medicaid benefits if and when they become available. Prenatal health care services will be covered by MOMS and/or Medicaid for the entire pregnancy and for two months after the pregnancy ends. There is an income limit for all persons except pregnant teens. The local health department can help women apply for the MOMS program.


All of the states have programs like this. Go for it!
Where can I go to get free or reduced-cost prenatal care?
Women in every state can get help to pay for medical care during their pregnancies. This prenatal care can help you have a healthy baby. Every state in the United States has a program to help. Programs give medical care, information, advice and other services important for a healthy pregnancy.
To find out about the program in your state:
·Call 1-800-311-BABY (1-800-311-2229) This toll-free telephone number will connect you to the Health Department in your area code
·For information in Spanish, call 1-800-504-7081
·Call or contact your local Health Department.


Best site ever for pregnancy!

Early signs and symptoms of pregnancy: Things you might notice before you start prenatal care
Could you be pregnant? Before you test, read this list of classic clues.
Are you pregnant? The proof is really in the pregnancy test. But you may suspect — or hope — that you’re expecting, even before you miss a period, if you experience one or more of the following signs and symptoms of pregnancy. These early clues may begin in the first few weeks after conception.
Tender, swollen breasts or nipples
One of the first physical changes of pregnancy is a change in the way your breasts feel. They may feel tender, tingly or sore. Or they may feel fuller and heavier. As early as two weeks after conception, your breasts start to grow and change in preparation for producing milk. The primary cause of these changes is increased production of the hormones estrogen and progesterone. Changes in your breasts are often most dramatic when you’re pregnant for the first time.
Many women feel wiped out during pregnancy, especially in the early stages. This may be nature’s way of persuading moms-to-be to take extra naps, in preparation for the sleepless nights ahead. But there’s also a physical reason for fatigue.
During the early weeks of pregnancy, your body is working hard — pumping out hormones and producing more blood to carry nutrients to your baby. To accommodate this increased blood flow, your heart pumps harder and faster. Plus, progesterone is a natural central nervous system depressant, so high levels of this hormone may make you sleepy. In addition, the possibility of pregnancy can bring about a range of feelings and concerns that may sap your energy and disturb sleep.
Slight bleeding or cramping
Some women experience a small amount of spotting or bleeding very early in pregnancy, about 10 to 14 days after fertilization. Known as implantation bleeding, it happens when the fertilized egg first attaches to the lining of the uterus. This type of bleeding is usually a bit earlier, spottier and lighter in color than a usual period and doesn’t last long.
Many women also experience cramping very early in pregnancy as the uterus begins to enlarge. These cramps are similar to menstrual cramps.
Nausea with or without vomiting
Morning sickness is one of the telltale signs of early pregnancy. Most women feel some sickness around four to eight weeks of pregnancy, but the queasiness can begin as early as two weeks after conception.
Although nausea and vomiting during pregnancy is commonly called morning sickness, it can occur at any time of the day. It seems to stem from the rapidly rising levels of estrogen produced by the placenta and the fetus. These hormones cause the stomach to empty somewhat more slowly, which could be part of the problem. Pregnant women also have a heightened sense of smell, so a variety of odors — such as foods cooking, coffee, perfume or cigarette smoke — can trigger nausea.
Food aversions or cravings
Turning up your nose at certain foods is often the first hint that you’re pregnant. Even the smell of some foods may cause a wave of nausea in early pregnancy. One study suggests that pregnant women experience a unique aversion to coffee in the early weeks of pregnancy. Meat, dairy products and spicy foods are other common objects of repulsion.
Food cravings are common, too. Like most other symptoms of pregnancy, these food preferences can be chalked up to hormonal changes. Pregnant women typically find that their food tastes change somewhat, especially in the first trimester, when hormones have the strongest impact.
Frequent urination
Many pregnant women find themselves running to the bathroom more often than usual. During the first trimester of pregnancy, this is caused by the enlarging uterus pushing on your bladder.
If you’re pregnant, you may be troubled by frequent, mild headaches. Early in pregnancy, headaches may be the result of increased blood circulation caused by hormonal changes.
Constipation is another common early indication of pregnancy. An increase in progesterone causes digestion to slow down, so food passes more slowly through the gastrointestinal tract, which can lead to constipation.
Mood swings
You’re a no-nonsense kind of woman — so what’s with this crying over Hallmark commercials? The flood of hormones in your body in early pregnancy can make you unusually emotional and weepy. Swings in your mood, from bliss to deep gloom, also are common, especially in the first trimester.
Faintness and dizziness
It’s common for pregnant women to be lightheaded or dizzy. These sensations usually result from circulatory changes as your blood vessels dilate and your blood pressure drops. Early in pregnancy, faint feelings may also be triggered by low blood sugar.
Raised basal body temperature
Your basal body temperature (BBT) is your oral temperature when you first wake up in the morning. This temperature spikes slightly soon after ovulation and remains at that level until your next period. If you’ve been charting your BBT to determine when you ovulate, its continued elevation for more than two weeks may mean you’re pregnant. In fact, BBT stays elevated throughout your pregnancy.
Are you really pregnant?
Unfortunately, these signs and symptoms aren’t unique to pregnancy. Some can indicate that you’re getting sick or that your period is about to start. And, conversely, you can be pregnant without ever experiencing these symptoms.
Still, if you notice any of the tip-offs on this list, make plans to take a home pregnancy test, especially if you’re not keeping track of your menstrual cycle or if it varies widely from one month to the next. Also take extra good care of yourself. You just might be taking care for two.


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