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Pregnant after 35
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Anyone use Aflec for hospital& postpartum time?

HeathernStevenHeathernSteven member
in Pregnant after 35

Hi,

I have always planned that as soon as I get a BFP, we are going out to get Aflec to help cover cost of hospital stay. We are also self employed, so if we don't work we don't get paid.

Has anyone actually used it in this capacity? How was it to use, easy a pita?

image
My Ovulation Chart


Me: 41 DH: 46. We are TTC our 1st, started July '11,
3 cycles clomid with Ob,
1 cycle Tamoxifen with Ob,
Diagnosed PCOS 11/5/12
clomid, trigger & timed bd 12/12 BFN
1st clomid IUI 1/4/13 BFN.
2nd clomid IUI 2/13 cancelled didn't respond to clomid.
3/15/13 scheduled laparoscopy & on bcp.

May 10 IUI from injectibles - BFN 

May 22 done with interventions it will either happen or it won't. 

February 2014 No longer actively trying, but not preventing. 

SURPISE BFP 4/2/2015!!!!!!!!!!

Miscarriage 4/23/15

 

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Re: Anyone use Aflec for hospital& postpartum time?

  • happywifemomofonehappywifemomofone member
    I had a Nurse friend some time ago that used AFLAC when she had open heart surgery.  She did eventually get paid, but she went through a TON of red tape to get the approval for payment.  No idea how AFLAC would be with pregnancy/hospital stay situation.
    TTC since 10/09 Me-43 DH-44 RE and testing 10/10-11/10, Recommending IVF 1/11 New RE AMA and DOR-DH low motility IVF #1.1 cancelled 3/11 due to poor response IVF #1.2 May 2011, one perfect 8-cell embryo, 3dt-BFN, IVF #2.1 Converted to IUI d/t poor response. New RE 9/2011. IVF 2.2 completed using HGH,EPP,DHEA, Q-10 and accupuncture. Transferred one 8-cell, grade one embryo on 10/19. BFP 10/31/11 Chemical pregancy on 11/2/11. Started stims for IVF #3, our final try, on 12-2-11. ET on 12/18. Transferred 3 Grade A embryos-BFFN Planning DE IVF, late March/early April- Donors ER expected to be 4/2-4/4. PAIF/SAIF welcome
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  • sweetky_06sweetky_06 member
    I would be extremely surprised if you could buy a policy once you are pregnant. I would contact an Aflac broker and understand what is covered and when you would need to have a policy in place in order for it to be in effect. 


    Married 08.06
    Started TTC 05.08
    Me: Stage II endo, borderline high FSH
    DH: perfect
    1 lap, 5 IUIs = 4 BFNs and 1 c/p
    2 IVFs, 2 FETs = 1 BFN, 1 c/p, 1 ectopic and finally a sticky BFP in May 2011!

    Baby Birthday Ticker Ticker

    1 FET in Aug 2013 = BFP! 

    Pregnancy Ticker
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  • greenemeanygreenemeany member
    I have a really great Aflac agent and while I didn't use it for pregnancy/hospital stay, I used it when I was in a motorcycle accident.  It was quick and easy and she assured me it would work the same when I deliver.
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  • HeathernStevenHeathernSteven member

    I have done some more digging yes you can't get deliver for 10 months after buying the plan. Thanks for the info. I wasn't sure if it was even worth looking into getting or if it was....

    Gives us something to think about!

    Thanks

    image
    My Ovulation Chart


    Me: 41 DH: 46. We are TTC our 1st, started July '11,
    3 cycles clomid with Ob,
    1 cycle Tamoxifen with Ob,
    Diagnosed PCOS 11/5/12
    clomid, trigger & timed bd 12/12 BFN
    1st clomid IUI 1/4/13 BFN.
    2nd clomid IUI 2/13 cancelled didn't respond to clomid.
    3/15/13 scheduled laparoscopy & on bcp.

    May 10 IUI from injectibles - BFN 

    May 22 done with interventions it will either happen or it won't. 

    February 2014 No longer actively trying, but not preventing. 

    SURPISE BFP 4/2/2015!!!!!!!!!!

    Miscarriage 4/23/15

     

    Report Reply
  • pillowasspillowass member
    I had 2 AFLAC policies (hospital indemnity and personal sickness) and it was affordable and worked out great for us! One or both of these policies (can't recall) also covers the baby if any NICU time is needed, so it's great peace of mind especially if you are self-employed. Feel free to PM me if you have more specific questions.
    image


    TTC #2 since July 2010
    FSH = 11 (20 on day 10 of CCCT)/ AMH = .98 / AFC=12ish
    5 IUI's with oral meds = all BFN
    March 2012 IVF (MDL Protocol) Started stims 3/3; ER 3/11 (9R, 8M, 7F) ET 3/16 (5dt of 2 blasts graded 3AB and 3BA, 3 frosties(!!) Beta 3/26 = 386; Beta 3/28 = 827; u/s 4/11 says TWINS! Boy/Girl Twins delivered at 36 weeks 6 days

    Baby Birthday Ticker Ticker
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  • shaunamwshaunamw member
    I used Aflac last time and it was great, I only had to fill out one form and I got back more than my actual hospital stay.  But the have a ten month waiting period for all pregnancy related claims. 

     

    Baby Birthday Ticker Ticker

    Pregnancy Ticker
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