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Maternity Insurance Ohio Question & Answers

2014 November 20
by Sarah Fields

Daniel asks…

A few questions about when these things should be done?

I am 20 weeks and 1 day pregnant. My due date is February 14th, 2008. Now that I am feeling better from my first trimester anguish, I am starting to think about things I’ll need to do in the near future. If anyone could help me out and give me some advice on these issues, I’d greatly appreciate it.

1. When do I need to start looking for a hospital to have my baby in, and how soon should I sign up with one?

2. When do I need to select a pediatrician to care for my child after he is born?

3. I will have one year at my current job in November. I live and work in NE Ohio. I have excellent benefits at this job and am planning to take the maximum 12 week FMLA leave, which will be paid by my long-term disability insurance (which, by the way, I was covered for the day I started here). How soon do I need to apply for FMLA?

I am sure some of these things are for the later weeks, but any advice would be greatly welcomed. Thanks!!
Thanks so far, everyone. Great answers. To clarify, I do not live in the UK, I live in NE Ohio. I thought I mentioned that. As far as my medical leave is concerned, I misspoke…it is covered under short term disability for the entire time, but I believe you get a lesser amount of money if you are out past 6 weeks. I will clear this up with Human Resources here soon. Thanks!

Sarah Fields answers:

I’m due with a Valentine’s Day baby as well! ;)

1. Your midwife or doctor should be able to tell you where they deliver (mine used to give a choice of three different local hospitals), and if you have a few options, you let them know where you’d prefer and they’ll send your info over when the time is right. Also be sure to ask about touring the Maternity Ward, because this is usually set up at the beginning of the third trimester (in case you go early). It really helps familiarize you with the facility so you know where to go and will feel more comfortable when you arrive in labor. You’ll also get to see what the rooms are like and find out what the hospital provides and what you’ll need to bring yourself (not much LOL). That sort of thing.

2. This should also be done at the beginning of the third trimester. Get some recommendations from family and friends — preferably those that share your views on breastfeeding and things of that nature, since their pediatrician will likely be a better fit for your family — and ask for a list of local providers from your insurance company. Then INTERVIEW THEM! So many parents seem to skip this step, but it’s crucial if you want to be sure you’ve chosen the best person to care for your child. These introductory appointments are generally free of charge — if they mention a fee, that doctor’s not for you! — and allow you to meet the doctor before baby is here (rather than with a crying newborn in your arms LOL), ask any questions regarding their views on breastfeeding, what hospitals they have priviledges at (and therefore where you child will likely be admitted if ever needed), average length of a well-baby check-up and wait time (ours is about 15 minutes) … Things of that nature. Make sure you’re comfortable with the pediatrician and that they seem a good fit for you and your family, and once you make a decision, you merely have to have them sign a form saying that they will see the child following delivery. ;) I’m not certain if this is done all the time, but it is required for us, since we use a midwife and request early discharge a few hours after birth.

3. With our first pregnancy, we were advised to have this done as soon as possible, simply because the paperwork would already be in place should leave be needed sooner than expected (say, due to any unforeseen complications or a pre-term birth). Contact your benefits administrator for a definite time-line, however.

Hope that helps, and good luck! ;)

Nancy asks…

What is the deal with health insurance?

Does it matter to the price of health insurance if you are a male or female? Just one difference is females can get pregnant males cant so should male health insurance be cheaper? Males can get prostate cancer etc etc…… Just wondering do companies use stats of various health problems related to country of residence to calculate premiums like car insurance companies do? ie. young males have highest premiums.

Sarah Fields answers:

…. New evidence has emerged of a widespread gap in the cost of health insurance, as women pay much more than men of the same age for individual insurance policies providing identical coverage, according to new data from insurance companies and online brokers.

Insurers say they have a sound reason for charging different premiums: Women ages 19 to 55 tend to cost more than men because they typically use more health care, especially in the childbearing years.

But women still pay more than men for insurance that does not cover maternity care. In the individual market, maternity coverage may be offered as an optional benefit, or rider, for a hefty additional premium.

In general, insurers say, they charge women more than men of the same age because claims experience shows that women use more health care services. They are more likely to visit doctors, to get regular checkups, to take prescription medications and to have certain chronic illnesses.

The disparities are evident in premiums charged by major insurers like Humana, UnitedHealth, Aetna and Anthem, a unit of WellPoint; in prices quoted by eHealth, a leading online source of health insurance; and in rate tables published by state high-risk pools, which offer coverage to people who cannot obtain private insurance.

Humana, for example, says its Portrait plan offers “ideal coverage for people who want benefits like those provided by big employers.” For a Portrait plan with a $2,500 deductible, a 30-year-old woman pays 31 percent more than a man of the same age in Denver or Chicago and 32 percent more in Tallahassee, Fla.

In Columbus, Ohio, a 30-year-old woman pays 49 percent more than a man of the same age for Anthem’s Blue Access Economy plan. The woman’s monthly premium is $92.87, while a man pays $62.30. At age 40, the gap is somewhat smaller, with Anthem charging women 38 percent more than men for that policy.

Article by Robert Pear – New York Times

Ken asks…

Could you collect some sort of unemployment while on FMLA in the state of Florida?

I’m currently 21wks pregnant & recently found out that my job doesn’t offer paid maternity leave. Some people have advised me to get the FMLA or STD (Short-term Disability). I just don’t know what to do financially. Decided to give this a shot, so HELPFUL ANSWERS please.
Domo Arigato (^_^)

Sarah Fields answers:

Ohio guzimus. FMLA is designed to help employees balance their work and family responsibilities by allowing them to take reasonable unpaid leave for certain family and medical reasons.

In other words you are still employeed (but on leave), so not eligible for unemployment.

Short-term Disability is an insurance program. Your company must have this insurance in order for you to obtain benifits. But, Florida has no family leave, maternity leave or short term disability on the state level.

Sounds like you’re kinda skrewed on this. If you have no family support you may need to go talk to social services. Http://www.dcf.state.fl.us/ess/

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