How We Made Money Off Our Baby


We’ve learned a lot since having a baby. We tried to prepare financially, but some stuff you can’t really learn until you’re in the thick of it. Johnny and I have written about how we got lucky and had a $0 baby at the hospital. Woo! When we were first thinking about starting a family, we had no idea that we’d someday have insurance that would cover our labor and delivery hospital bills. So back in 2010, I signed up for supplemental insurance through my work to try to prepare for those hospital expenses. The insurance worked in such a way that it would give me a payout once I gave birth. Until I had a baby, though, I would be paying $80/month for this supplemental coverage.

Johnny and I thought we’d probably start a family pretty soon after I signed up for my supplemental insurance (which was through Aflac), but the timeline kept getting pushed back for one reason or another. However, I didn’t want to cancel my policy because we’d already spent hundreds on it, and I was sure we’d start a family sooner or later. Finally in April 2012, I got pregnant with Baby Girl. As we’ve documented on this blog, once I got pregnant, we started making sure all our financial ducks were in a row (Aflaaaaaaaaaaaaac!). That included looking into my policy I’d now held for almost two years. I researched how to file a claim, but I never got around to figuring out how much the payout would be after I gave birth.

After Baby Girl was born in January, it came time to file my claim with Aflac. At this point I read through my policy and concluded that the payout would probably be about $1700 tops. I told Johnny this and we were both disappointed because, after 2.5 years of paying $80/month, I’d spent $2400 on the policy. So it looked like we were going to lose $700. BUMMER. But a payout is a payout, and I decided I would just cancel my policy as soon as I filed my claim and try to enjoy the $1700 I hoped we’d get.

Then….. THEN……. I filed my claim last week (don’t hate, I’m running behind on a lot of stuff). Yesterday I got an email stating how much my payout would be. Any last-minute guesses? Shall I get to it? Okay. Hum Dee Dum. Say what? Oh, the payout. Well, it ended up being………….. drumroll…………………… $4100!!!

Nope, not a typo! So even though we didn’t end up having a baby as soon as we were planning, I still ended up making a profit off my supplemental insurance! I put $2400 in and got $4100 out, which equaled $1700 in profits, or an almost 70% return on my investment!

Here are the policies I was enrolled in:

Hospital Indemnity Policy, which cost $50/month (4 units*)
Personal Sickness Policy, which cost $29.50/month (3 units*)

*I’m listing the number of units I had for each policy, but I’m not even sure of the relevance of those numbers 🙂

Needless to say, Johnny and I are quite pleased with the money we made from having supplemental insurance for my hospital stay! And think if we had gotten pregnant with Baby Girl just a few months after getting that policy! We would have had a 100%+ return!! Nuts. So what financial lesson did I learn from this? I admit I should have looked closer into my policy and known what the payout would be from day one. I’d heard good things about Aflac’s pregnancy payouts, so I’d signed up on a whim, which I don’t recommend doing. I should have researched it more. That said, my little experiment turned out great in the end, so no harm done!

Has anyone else had supplemental coverage during a hospital stay? Were you happy with the payout? Would you think less of me if I’d titled this post “How to Monetize Your Baby”?

By the way, this post is NOT sponsored by Aflac. In fact, I’m not sure they’d be thrilled with me sharing how much bank we made off of them. 🙂

UPDATE (12/2013): Since the publishing of this post, it appears Aflac has changed some of the policies that we mentioned above. We remain grandfathered into our old policy, but read your own policy documents carefully and ask your insurance agent specific questions as it relates to your own planned (or unplanned) pregnancy. Cool? Cool.


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  • Reply Jefferson @SeeDebtRun February 28, 2013 at 8:05 am

    That worked our really well for you!!… I wish we had known about this option when we had our most recent child.. Between the hospital stay and the lost income, our little princess ended up costing us a fortune 🙂

    • Reply Johnny March 1, 2013 at 12:59 am

      It definitely softened the blow on money spent for baby supplies and lost income from Joanna’s job. Now that we know what the payout it, I’m going to make sure everyone within the sound of my voice knows what’s up.

      • Reply Tracy Johnson January 7, 2016 at 7:59 pm

        Thank you for sharing your testimony!!! I’ve been an Aflac agent for 23 years and know first hand the power of our plans. If your wife would’ve had our Disability Plan, she would have also been able to collect up to 60% of her income while on maternity leave… she should definitely add that. If I can assist with any questions, feel free to contact me at 331-980-4708… I’m happy to help!

  • Reply Michelle February 28, 2013 at 8:22 am

    Wow I ad no idea about supplemental coverage. Great investment 🙂

    • Reply Johnny March 1, 2013 at 1:01 am

      Forget gold, we’re investing in babies! 🙂

      • Reply Nicole November 6, 2015 at 11:05 pm

        Do you know of any policies for people who are self employed?

  • Reply John S @ Frugal Rules February 28, 2013 at 10:03 am

    Wow, that’s a nice little return! I had no idea about this, though I wish I did before we had our three little ones.

    • Reply Johnny March 1, 2013 at 1:04 am

      Welp, know you’re armed with knowledge before #4. Don’t know if #4 is in the cards, but I just like assuming people aren’t going to stop popping out babies. 🙂

  • Reply Renee S February 28, 2013 at 10:06 am

    Good job!! haha I actually have been waiting for someone in the PF community to write about Aflac. I wanted to know if it was scammy or not. I recently purchased my own plan–personal sickness policy and the cancer indemnity plan. I have had a lot of health concerns since birth and I felt like it was necessary for me to have such a plan. It is nice because it will payout even if you are still getting paid from your sick days through work. I am at a very high risk to get cancer as well. It’s not something that I hope for, of course, but it is a way to hedge your bets and ensure that you are financially comfortable if the C-word strikes. Anyway, I have been very impressed with Aflac 🙂 I am glad it worked for you! They actually have a rule that they won’t payout for pregnancy if it occurs within 270 days of the policy beginning. So it’s actually good that you waited to have Baby Girl!

    • Reply Johnny March 1, 2013 at 1:10 am

      Ask and you shall receive. We hadn’t really interacted with Aflac prior to submitting our claim, but they’ve been great to work with these last few weeks.

      Here’s hoping you never need to use your policy, Renee.

      • Reply Alysia Renner January 15, 2015 at 11:06 pm

        “They actually have a rule that they won’t payout for pregnancy if it occurs within 270 days of the policy beginning.”

        Not sure if this used to be a rule but this is no longer the case. As long as your policy is in place for 30 days before you become pregnant it is covered.

        If you do not have Aflac at your place of employment, know that it costs your employer NOTHING to offer it as a supplemental benefit to you. They will get a group discount making the plans about 50% cheaper and making many more plans avail that are only avail through group rates as long as at least three employees all sign up for at least one policy each. Some policies are as little as less than 1.50/week with the employer group rate. Feel free to message me with any questions 🙂 Love your post!!

        • Reply Toriiey September 2, 2016 at 5:52 am

          I’m looking for someone who sells AFLAC insurance but it’s hard to find one just to even talk to if you know of anyone my number is 678-683-5954!!

    • Reply Rach January 26, 2015 at 1:39 pm

      What is the PF community?

      • Reply Renee Solomon January 26, 2015 at 1:50 pm

        Personal Finance 🙂

  • Reply Brian February 28, 2013 at 10:35 am

    We also had Aflac and were quite please with it. Our only hiccup was the hospital stay re-imbursement. Apparently it also covered out baby since he was in the NICU, but they wanted a diagnosis and there really wasn’t one other than being six weeks early and not knowing how to eat properly yet. In the end they cut us a check for that (which we totally weren’t expecting) in addition to my wife’s short term disability and her hospital stay. The agent who sold the policy was extremely helpful and it never seemed like they didn’t want to pay just they wanted the proper paperwork.

    If you are thinking of using Aflac for a pregnancy make sure you have the policy in place before you get pregnant and you can meet their holding period so it isn’t a pre-existing condition.

    • Reply Johnny March 1, 2013 at 2:13 am

      Insurance technicalities are the worst. It sounds like Aflac didn’t do you wrong, but for the love, speak human to your clients, not insurance-speak. They probably couldn’t fill in a required field on their computer program and advance to the next page of your claim or something.

      Good call on the pre-existing condition. This won’t work if the bun’s already in the oven.

  • Reply anna February 28, 2013 at 11:08 am

    Wow, that’s pretty awesome! When I first read the title I thought you might be putting her in pageants or something… I guess I watch too much trash TV. Great job on the nice payout!

    • Reply Johnny March 1, 2013 at 2:23 am

      Hahaha. What’s funny is Joanna and I joked that we should get her started at two weeks old in the pageant circle. Apparently, we watch the same trash TV as you. 🙂

  • Reply Mrs. Pop @ Planting Our Pennies February 28, 2013 at 12:35 pm

    I’m surprised there wasn’t some clause that said it only paid out what wasn’t covered by another policy. Well done.
    As far as Aflac goes, that seems pretty odd that your breakeven point where you pay in less than your payout is so far in the future.

    • Reply Johnny March 1, 2013 at 2:25 am

      Believe you me, we were just as surprised. As far as the breakeven point, the policy really isn’t intended to be a “pregnancy policy.” But it just so happens to be the right recipe of policy types that payout when a baby comes out. They actually discontinued the policy while we lived in Utah because they were losing money from the policies.

  • Reply Jacob @ iHeartBudgets February 28, 2013 at 1:29 pm

    I had AAAAAAAAAAAAFLAAAAAAAAAAAC for a while, and got paid out when I threw my back out trying to pick up a car transmission (don’t ask). It was nice to have, and I used sick days in conjunction for a phatty paycheck(s). Nice work on the timing and getting some money out of them. It’s like money grows on ducks (and babies)!

    • Reply Johnny March 1, 2013 at 2:32 am

      Haha. That’s great that it helped out while you were out of commission. It sounds like you probably made more during your time off than you’d make AT work. Imagine that. Love me some unexpected paydays.

  • Reply jrm February 28, 2013 at 2:34 pm

    That is awesome the way it worked out. I’ve heard of cancer supplementals and have considered it but not sure I’m enough at risk. I have bad knees (as in no cartiledge and know I’ll have to have both knees replaced in the next 10 years) and I’ve been thinking about strarting to buy/pay into a long term care insurance policy. Haven’t even scratched the surface of the subject though so still have a bunch of research and thinking to do.

    • Reply Johnny March 1, 2013 at 2:34 am

      Cancer is prevalent in my family, so I also had heard and looked into their cancer supplemental. I opted against getting it, but as I get older, I think it’s a very worthy consideration.

      The silver lining to your knees is that it won’t come as a surprise when it happens. You should definitely use that knowledge to your advantage with some sort of supplemental insurance. Best of luck.

  • Reply doordebt February 28, 2013 at 4:10 pm

    That is awesome! I love unexpected things like that. Put some money in baby girl’s college fund 🙂

    • Reply Johnny March 1, 2013 at 2:37 am

      We probably should throw it straight in Baby Girl’s fund. Although I do have a lot of other more exciting options for how to spend that dough. Sometimes being financially responsible is boring. But boring’s ok.

  • Reply Jane Savers @ The Money Puzzle February 28, 2013 at 9:20 pm

    I didn’t understand a lot of the post. Supplemental insurance is not something I have ever had to deal with. I am Canadian and babies are free here.

    You do have to pay to park at the hospital.

    • Reply Johnny March 1, 2013 at 2:40 am

      You’re in a whole different world up there with that free healthcare. That’s a crazy concept to understand for us Americans. Probably less crazy than what you must think of us for paying for basic healthcare. 🙂

      • Reply Jane Savers @ The Money Puzzle March 1, 2013 at 6:23 pm

        What I find crazy is the number of Americans who don’t want universal health care. Is it just the wealthy who don’t want it?

        • Reply KrisMarieCPA November 22, 2013 at 9:44 am

          It’s not that we don’t want universal health care, I think it has to do with the fact that Obama had to remove the public option *so now it’s a big payout to the private insurance companies* just to get it to pass. UNFORTUNATE, as everyone will soon find out! It had the potential to be so great but it got all messed up in legislation. The moment they took away the public option, is the moment it all became about profit

  • Reply Brick By Brick Investing | Marvin February 28, 2013 at 9:52 pm

    That’s awesome! Congratulations! I never knew you could even get insurance like that. That is awesome, good for you guys!

    • Reply Johnny March 1, 2013 at 2:41 am

      Thanks man. It’s definitely not called “pregnancy insurance,” but if you read the payout stipulations carefully, you can land a nice payday for making babies.

      • Reply KrisMarieCPA November 22, 2013 at 9:46 am

        Are there specific payouts that you know of? Because the only one in the current policy for 2014 is the $1,000 payout relating to pregnancy for hospital confinement of 24 hours or more inside the Hospital Indemnity plan (nothing inside the accident plan that I can find.) I’d be happy to hear what other payout stipulations you know of!

        Possibly, their plans have just changed a lot. I know that just last year the plan offered an additional $400 a day for up to 3 days for pregnancy/hospital confinement. Now the additional day payout is no longer offered.

  • Reply Michelle February 28, 2013 at 10:49 pm

    Wow, I have just learned something new! Will look into it right away. HEHE.

    • Reply Johnny March 1, 2013 at 2:45 am

      Hop to it, Michelle! Your bank account and future baby will sing the Aflac duck praises.

  • Reply Johnny March 1, 2013 at 2:10 am

    [Google searching “how to make comment invisible to spouse who likes j crew clothes and sales”…]

    Sorry, sister. That money’s going toward the nest egg. And LEGOs.

  • Reply Favorite Posts, Mentions, and Top Comments Week of 24Feb2013 | Evolving Personal Finance March 3, 2013 at 6:06 am

    […] a broke person all the time with your friends. Joanna from Our Freaking Budget explains how she made money off a supplemental insurance payment after she gave birth. Stephanie Halligan from The Empowered Dollar explains at L Bee and the […]

  • Reply Kristan April 17, 2013 at 3:57 pm

    So I remember reading this a couple of months ago, and I was talking to someone about it today and I am curious: What type of insurance do y’all have?

    Just wondering if this is something that would be a necessary (read: valuable) supplement to our HMO policy.

    • Reply Johnny April 18, 2013 at 2:21 am

      We have BlueCross BlueShield. My employer opted for a really really good plan with a $0 deductible/0% co-insurance. So the only thing we ever have to pay for is a $15-$30 copay. It’s been a huge blessing.

      We got the Aflac plan prior without knowing we’d have a plan that basically paid every dime of our birth. But regardless, we signed up for the supplemental insurance again because we did the math and we would stand to gain another couple thousand dollars if we have a kid in the next three years. So for us, it’s less of “supplemental insurance” and more of an easy investment with a really good ROI.

      Hope that helps!

      • Reply Kristan April 18, 2013 at 9:23 am

        Thanks so much for the info Johnny!

  • Reply Rachel April 19, 2013 at 2:12 pm

    My husband and I used supplemental policies from both Alfac and American Public life for our first baby. The pay out was great in the end. I think between the two companies we got back $8500 and paid around $3600 (it took us about 8 months to get pregnant) or we would have made a lot more. I recently looked into it for our second baby and I don’t think either company others the plans anymore as of May 2012. Unless you know something that I don’t and please do share!!

    • Reply KrisMarieCPA November 22, 2013 at 9:40 am

      Aflac’s plans have changed. They now offer only $1,000 for hospital confinement for pregnancy, and if you stay a second day as far as I can tell there is no payout. As far as I can tell, the accident plan does not cover pregnancy hospitalization at all.

  • Reply Nicole November 9, 2013 at 11:19 am

    I been cover with aflac since 2011and I want to if my five month old is cover for his hospital stay.I took him to the ER.

    • Reply KrisMarieCPA November 22, 2013 at 9:38 am

      Nicole, he probably is. Infants are added to the policy immediately after birth (provided that you pay the increased rate when Aflac gave it to you), and both the hospital policy & the accident policy cover emergency room visits. Call 1-800-99-AFLAC

  • Reply Auds November 9, 2013 at 4:09 pm

    So, I’m not a regular follower, forgive me, I may become one, though. Does your wife work? Was much of this payout considered lost wages?

    • Reply Johnny November 20, 2013 at 1:59 am

      No need to be forgiven! Yes, Joanna works full time from home. Best to my knowledge, none of it was considered lost wages. Her employer covered a week of leave, I believe, and then disability kicked in for a couple weeks at about half her regular salary if memory serves me right. But the Aflac payment didn’t take into account any lost wages or employment status.

      Hope that helps!

  • Reply KrisMarieCPA November 22, 2013 at 9:34 am

    Just a pointer, -I’m looking at the Aflac Hospital Advantage (Hospital Confinement Indemnity Insurance) plan RIGHT NOW (it’s literally in front of my face & I just met with my rep), and you CANNOT BE PREGNANT for the first 10 months you own the policy. (Meaning you cannot sign up and then get pregnant). This means, that if sign up for benefits to start at the first of the year 1-1-2014, you cannot BECOME PREGNANT until Nov 1, 2014. This essentially means that you will have to pay for your policy for a second year, through at least July/August 2015 before getting any benefit (because you won’t be in the hospital until at least July/Aug). AND, if you want your payout before December 31, 2015 (so you don’t have to pay for a 3rd year of the policy) you will need to make sure you are pregnant by February of 2015 leaving you a window from November 2014 through February 2015 to actually get pregnant. I’M NOT SAYING IT’S NOT WORTH IT, JUST POINTING OUT TO BEWARE THAT THE POLICIES HAVE CHANGED AND YOU CANNOT BECOME PREGNANT DURING THE FIRST 10 MONTHS YOU OWN POLICY. BE PREPARED TO PAY MONTHLY FOR THE FIRST 20 MONTHS YOU OWN THE POLICY, AT A MINIMUM

    • Reply JD November 25, 2013 at 1:16 pm

      This is incorrect. You need to have the policy in force for 10 months before birth to kick in. In other words, as long as you don’t get pregnant within the first month of getting the policy, you will be covered.

      • Reply KrisMarieCPA November 25, 2013 at 8:53 pm

        What I’m trying to tell you is that’s the old policy, and that has changed now. The rep just called home office and asked them this question for me on FRIDAY NOVEMBER 22, 2013.

        The home office said plain as day, “No, birth or pregnancy within the first 10 months of owning the policy.”

        The rep who came into our work said, “Wait? So this is different than it has been in the past?” And she said, “Yes.” The rep who came in to my work said, “Oh.” And then he asked her about the clauses for premature birth.

        • Reply Brittany March 12, 2014 at 11:27 am

          I have had a policy since July 2013 and that is not correct. I believe my payment came out on July 17, 2013 and as long as I didn’t have the baby before May 17, 2014 I was good to go. That would be 10 months after my first payment. Unfortunately, I had a miscarriage in there and haven’t gotten pregnant again so I have still been paying for my policy!

  • Reply Brandon Heaps January 9, 2014 at 12:03 pm

    If aflac is not an option. Where would you recommend we go?

    • Reply Johnny January 10, 2014 at 1:49 am

      You know, we’re not totally sure. We haven’t done a ton of research on other supplemental insurance providers since Aflac was the option provided by my wife’s employer. That being said, I know you can sign up without an employer-sponsored plan. We’ll do a little digging and let you know if we find any other options.

  • Reply Carrie January 30, 2014 at 7:18 pm

    Just curious, how long after your baby was born did you file your claim?

    • Reply Johnny February 18, 2014 at 1:47 am

      If memory serves us right, we had to wait a few weeks (close to a month, I believe) to get the final bill from the hospital. From there, we were able to start the claims process and we had our money in our bank account within a few weeks. It was a pretty painless process.

  • Reply Kevin H @ Growing Family Benefits March 7, 2014 at 10:31 am

    I hope you didn’t cancel your policy!

    Many people assume it is easy to just purchase a new policy right before conceiving again. Most of these policies are not sold directly to individuals. They are only available through employers, and the vast majority of employer do not offer even a voluntary option to employees.

    Plus you never know if you might get sick or hurt.

    • Reply Johnny April 7, 2014 at 1:09 am

      We’ve still got our grandfathered plan, luckily. But you bring up good word of caution against assuming these plans can be purchased right before getting pregnant.

  • Reply Ruth April 3, 2014 at 9:51 am

    We have both the hospital indemnity, personal sickness PLUS an ICU policy since I did IVF and wasn’t sure if we would end up with twins. We ended up with one baby who actually did go to the NICU for 4 days. We got a check from AFLAC for $10,000. I’m pregnant again and while I don’t want my baby in the NICU, if he does go, we will get another sweet payout…

    • Reply Johnny April 7, 2014 at 1:11 am

      No one wishes for a trip to the NICU, but having good insurance (and in this case, good supplemental insurance) makes that experience much easier to bear. Glad to hear all turned out well in your case.

  • Reply kelsey May 1, 2014 at 3:43 pm

    We could write this same post! I had two Aflac plans – short-term disability and hospital confinement – and will likely enroll in them again when we try for another baby. We definitely got a nice ROI.

    • Reply Joanna May 5, 2014 at 1:17 am

      Very cool! Getting that payout helped soften the blow of getting zero sleep and changing a bazillion diapers those first few weeks ;)!

  • Reply Kari Johnson May 20, 2014 at 4:28 pm

    I have used these policies twice, and was bummed to find out that it is not avalible anymore. For both pregnancies we got the policy before getting pregnant, then cancelled after the baby was born. We used it when I was expecting my twins (2007)and ended up getting abou t $8500 in total payouts (after paying in about $1000-we got pregnant quickly after getting the policy). We were told since it was twins we got more–I didn’t argue! With my daughter (2010) I ended up paying in about $900 and got $4000 back. It was a great policy for us, to bad it’s over!

    • Reply Johnny July 10, 2014 at 12:03 am

      Your family hit the jackpot! And it sounds like you maximized your payout by canceling after each child. Super smart. We’re still paying, despite holding off on more kiddos for the time being, so that we can remain grandfathered into the program. But it’s definitely a bummer it’s no longer available.

  • Reply Janis August 5, 2014 at 9:30 am

    I just recently signed up for the Hospital Confinement Indemnity Policy and the Short Term Disability Policy. My rep told me that as long as I don’t give birth within the 10 month period I would be fine, I could wait a month from signing up and start trying to conceive. Which in turn would give the baby the necessary time anyway. So the whole DO NOT GET PREGNANT for 10 months is not true at all.

    • Reply Johnny August 6, 2014 at 1:01 am

      Awesome. I know there had been confusion in the comments above, so thanks for clarifying. And best of luck with all that lies ahead!

  • Reply Sara August 7, 2014 at 8:46 pm

    We just started our first IVF cycle and I’m trying to get our ducks in a row of our finances while I’m on maternity leave eventually (hopefully). My question to you is, did you buy your policy directly from Aflac or was it offered through your employer? TIA!

    • Reply Janis August 10, 2014 at 3:29 am

      I bought mine through my Alfac rep that my Employeer provides. I bought it out of the yearly sign up but since I am recently married I was able to do so.

    • Reply Johnny August 10, 2014 at 11:56 pm

      We also bought it through the Aflac rep at Joanna’s employer. Joanna no longer works there, though, and was able to keep her policy without interruption or change.

  • Reply Karyn September 18, 2014 at 11:09 am

    Not quite there in life yet but as a broke college kid trying to get a handle on this thing called money, I have enjoyed reading all your posts and I do feel just a little bit more prepared for the future… thanks for sharing. 🙂

  • Reply Jacob October 22, 2014 at 10:22 am

    Hello, I added the Aflac hospital indemnity insurance back when my husband and I first decided to have kids. Since then I have given birth to 3 kids. The oldest is 2 years old and the twins are 11 months old. This insurance is definitely worth it if you are trying for kids. The payout for our first child was $4,700 and that was a normal birth with the normal time spent in the hospital. However, with the twins I was admitted early and didn’t deliver until 3 days later. They were born at 34 weeks so they had to stay in the hospital for a little while. I also had some minor health issues and had to stay for a couple extra days. Everyone recovered and twins have done really well. Because of the time spent in the hospital, our payout for the twins was over $16,000. We only had to pay about $1,000 ourselves for the coinsurance portion of my husbands health insurance.

    • Reply Jacob October 22, 2014 at 10:23 am

      By they way, all 3 kids were IVF babies.

    • Reply Joanna January 10, 2015 at 9:22 pm

      Thanks for sharing your experience! What a great supplemental insurance to have, right? I’m really happy we decided to keep it around for kid #2! (And sorry for the delayed response…. we are still catching up after our NYC move and the holidays).

  • Reply Sentoria January 15, 2015 at 7:56 pm

    I am looking into Aflac. We have a 6 month window to have our 2 leftover embryos from a prev IVF transferred. From what I understand from everyone here, the baby (hopefully), should be born 10 months or more after the first payment is received by Aflac.

    • Reply Joanna January 15, 2015 at 10:24 pm

      Yes, as long as you have had the plan at least 10 months once the baby’s born, you should be fine. Still, I’d suggest talking to an Aflac representative to clarify everything. Good luck!

      • Reply Teresa March 16, 2015 at 2:31 pm

        Does your plan cover wellness checkups? They also pay you to have the annual checkups that babies have to get anyway. And wellness checkups for both you and husband. Its not much but every little bit helps. These coverages are under our Family Accidental Policies for around $40.00 a month. Well worth it, because it will pay for e trips to ER for those children’s mishaps and a lot more. But beware they do like to try to cancel your policy if you are making to much off of them. My husband got hurt on the job, we kept up with paying our policy while he is out on Worker’s Comp. When I filed his claim this last time for accident (broken foot) and for temp disability, they cancelled our policy for non payment of premiums (which we paid) and then sent us back our money for premiums paid. We are still fighting with them. They knew my husband would have a big payout because he became permanently disabled due to breaking his foot with nerve damage at work, so they cancelled us so they wouldn’t have to loose that much money. So good luck. Use it while you can for the checkups, some dental and other things you might qualify for — they didn’t tell me about the checkups until I started questioning (about 2 years after we got policy) about what our policy covered then they told me. You are also allowed to send in old claims they don’t expire. Like I said good luck and get what you can get.

        • Reply Joanna March 22, 2015 at 6:30 pm

          Thanks for all the great tips, Teresa!

    • Reply Isabel February 6, 2015 at 7:19 pm

      That’s correct. I just signed up for short-time disability on Jan. 1st and the baby can’t be born before Nov. 1st, so 10 month after the effective date.

  • Reply Katie March 19, 2015 at 5:45 pm

    This is great to know. I have both the Hospital with riders and the Sickness plan. We’ve had the policy since march 2012 and never used the Hospital plan. The sickness plan is great since it coves all wellness visits which are free anyways. The reason why we haven’t used the hospital plan was because we did not get pregnant right away and due to changing jobs we didn’t think it was wise at the time to have another child. Now I am 6 months pregnant and I love that the payouts are so much and I also have Short Term Disability through my work. It will really help since our current insurance has a $750 deductible and 80/20 after that.

    By the way, in comment to the above post. Obama Care has made health insurance worse. With my daughter, our private insurances covers almost everything. Our out of pocket was only $600 bucks total. Now our insurance sucks… and nothing has changed with my husbands job in the last 5 years. No one offer the “Cadillac” plans anymore. Now we pay just as much for insurance but we get awful coverage. This birth will probably be around $3000 (if not more) in medical bills. Like I said we are lucky to have this policy at this time even if we have been paying for it for three years.

    • Reply Joanna March 22, 2015 at 6:36 pm

      That’s great you guys will be so well prepared when your baby arrives. Our health insurance is the same… we will probably pay at least $4000 for this second baby because of the same reasons you mentioned. Our insurance options just aren’t as good as they once were. Thank goodness for secondary insurance!

  • Reply Heather September 1, 2015 at 2:17 pm

    I’m currently looking into getting a policy like this…does anyone know if Aflac offers this short term policy to individuals? My employer doesn’t offer anything and I can’t get a clear answer researching on the Internet.

    • Reply Z October 13, 2015 at 10:36 pm


  • Reply essie October 4, 2015 at 3:10 pm

    What do you mean made money? You mean you payd 2400 for a 4100 bill… Right?

    • Reply Shajn Cabrera November 24, 2015 at 9:50 am

      Good morning, she essentially paid $2400 in insurance premiums over a 2.5 year period. In return, Aflac paid $4100 directly to her when she filed her claim. Aflac doesn’t pay hospitals or prescription med companies, but instead pays money directly to the policy holder allowing them to cover medical expenses, car payments, home utilities, etc.

      • Reply essie November 24, 2015 at 1:38 pm

        That’s just semantics. She payed twice and got reimbursed once. So at the end of the day there is no money made. Its a negative number. Its like ‘how I made money from my home! It’s costs me $2400,- but hey it didn’t cost me $4100,- ! Saving does not equal earning. So that. Yeah.

        • Reply Johnny November 24, 2015 at 1:55 pm

          Hey, Essie! I’m not sure you’re following. We paid $2,400 for our Aflac premium. Keep in mind, Aflac is NOT our health insurance. They are supplemental. When we had our baby, we were cut a check from Aflac for $4,100. So $4,100 subtracted by what we paid in premium of $2,400 means we ended up netting $1,700. And thanks to our health insurance at the time, we owed $0 to the hospital. So after all was said and done, we ended up having $1,700 MORE in our bank account after our daughter was born. Does that make sense?

  • Reply Shajn Cabrera November 24, 2015 at 9:53 am

    If anyone has any further questions/concerns, please email me at

  • Reply John November 25, 2015 at 7:19 am

    Are there any good Aflac plans that pay if you are already pregnant?

    • Reply Shajn November 30, 2015 at 7:48 am

      Sorry John, once an individual is officially diagnosed as pregnant by a medical official they are considered to have a pre-existing condition. Pre-existing conditions are not covered for the first 12 months of a policy.

  • Reply Jamie Harris January 21, 2016 at 10:34 am

    I only have an accident policy through aflac. Do they do anything for pregnancy?

  • Reply RF February 16, 2016 at 9:56 pm

    Would you happen to know if AFLAC allows a window of time to file after the birth of a child. I began the claim process and never finished. There was a glitch in the doctor’s paperwork that I never followed up on. My daughter is 20 months and I’m pregnant with my second that will be due in July. Could I even file twice in one year?

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  • Reply Mary May 11, 2016 at 5:21 pm

    I just went to sign up for it and I didn’t realize it has to be through an employer, I don’t think my company will do it. Is there no way to do it on your own?

  • Reply Mary May 11, 2016 at 5:39 pm

    Or is there another company that does a similar plan? I am struggling to find info.

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