U.S. CitiesCity-Data Forum Index
Go Back   City-Data Forum > General Forums > Work and Employment
 [Register]
Please register to participate in our discussions with 2 million other members - it's free and quick! Some forums can only be seen by registered members. After you create your account, you'll be able to customize options and access all our 15,000 new posts/day with fewer ads.
View detailed profile (Advanced) or search
site with Google Custom Search

Search Forums  (Advanced)
Reply Start New Thread
 
Old 04-05-2019, 10:34 PM
 
Location: Houston
1,616 posts, read 564,490 times
Reputation: 1413

Advertisements

It seems to me that the employees are Forced to subsidize the cost of maternity coverage for those employees who make the choice to have children. Why don’t employers offer maternity coverage as a “supplemental” coverage and bill only those who wish to purchase it?
Reply With Quote Quick reply to this message

 
Old 04-05-2019, 10:46 PM
 
963 posts, read 574,297 times
Reputation: 869
Going by the way this is phrased, you must live in Mexico, United Kingdom, India, Chile, Canada, or China (as opposed to the Houston specified in your profile)... as they are the only countries that offer subsidized maternity coverage. The United States does not provide maternity coverage.

Some states do offer maternity coverage, but that is through disability or similar insurance programs.

The United States simply requires unpaid leave -- which is not subsidized.
Reply With Quote Quick reply to this message
 
Old 04-05-2019, 10:54 PM
 
Location: Houston
1,616 posts, read 564,490 times
Reputation: 1413
Quote:
Originally Posted by Mr.Hospitality View Post
Going by the way this is phrased, you must live in Mexico, United Kingdom, India, Chile, Canada, or China (as opposed to the Houston specified in your profile)... as they are the only countries that offer subsidized maternity coverage. The United States does not provide maternity coverage.

Some states do offer maternity coverage, but that is through disability or similar insurance programs.

The United States simply requires unpaid leave -- which is not subsidized.
I wasn’t talking about maternity leave, but coverage of maternity delivery, post and pre-natal. Before ACA, Texas individual coverageoffered maternity as a “carve out” benefit which meant that maternity delivery carried a separate deductible apart from the standard deductible. If this benefit was important to the person, they and they alone would pay extra for this benefit. I think that a company that offers generous maternity coverage is only encouraging employees to take more time off from work and contribute to less productivity.
Reply With Quote Quick reply to this message
 
Old 04-05-2019, 10:59 PM
 
963 posts, read 574,297 times
Reputation: 869
Quote:
Originally Posted by Hopelesscause View Post
I wasn’t talking about maternity leave, but coverage of maternity delivery, post and pre-natal. Before ACA, Texas individual coverageoffered maternity as a “carve out” benefit which meant that maternity delivery carried a separate deductible apart from the standard deductible. If this benefit was important to the person, they and they alone would pay extra for this benefit. I think that a company that offers generous maternity coverage is only encouraging employees to take more time off from work and contribute to less productivity.
Ah, understood.

Companies over such coverage to attract employees. It's also easier to negotiate pricing when such services are spread across the entire staff. Hope this helps.
Reply With Quote Quick reply to this message
 
Old 04-05-2019, 11:26 PM
 
963 posts, read 574,297 times
Reputation: 869
This question can be asked in so many different ways. In theory, you can break out things like maternal coverage into optional coverage... but there's so many other possibilities along that line.

For example, why wouldn't we just break out extra checkups/risks associated with people who are older than 45? Why should that coverage be subsidized by younger people? It's the same question.
Reply With Quote Quick reply to this message
 
Old 04-06-2019, 11:37 AM
 
Location: OH>IL>CO>CT
5,231 posts, read 8,395,972 times
Reputation: 7185
Quote:
Originally Posted by Hopelesscause View Post
It seems to me that the employees are Forced to subsidize the cost of maternity coverage for those employees who make the choice to have children. Why don’t employers offer maternity coverage as a “supplemental” coverage and bill only those who wish to purchase it?
Because the ACA (aka Obamacare) won't let them. Prior to ACA, the various States had a variety of differing laws on the subject

"Maternity care is one of the ten essential health benefits that must be included on all new individual and small group policies."Source: https://www.healthinsurance.org/obam...nity-coverage/
Reply With Quote Quick reply to this message
 
Old 04-06-2019, 01:13 PM
 
Location: Dallas TX
15,024 posts, read 21,732,170 times
Reputation: 22196
Unless you live an overzealous healthy lifestyle or happen to not get cancer, other people are paying for your coverage as well.
Reply With Quote Quick reply to this message
 
Old 04-06-2019, 02:01 PM
 
Location: Central IL
15,211 posts, read 8,518,332 times
Reputation: 35606
Quote:
Originally Posted by Hopelesscause View Post
I wasn’t talking about maternity leave, but coverage of maternity delivery, post and pre-natal. Before ACA, Texas individual coverageoffered maternity as a “carve out” benefit which meant that maternity delivery carried a separate deductible apart from the standard deductible. If this benefit was important to the person, they and they alone would pay extra for this benefit. I think that a company that offers generous maternity coverage is only encouraging employees to take more time off from work and contribute to less productivity.
I really wish there was a carve out for prostate treatment as well as ED. That stuff just takes their attention away from work. If you're sick and can't work or have sex (or lack of sex) on your mind then that's the breaks - no job for you!

Realistically, society as a whole benefits from women having babies and it's silly to try to partition out coverage as though it is special or "extra". Everyone has some condition or situation that is relatively uncommon such that others feel they shouldn't have to subsidize it. But that's how and why insurance works, so get used to it.
Reply With Quote Quick reply to this message
 
Old 04-06-2019, 02:48 PM
 
1,350 posts, read 587,699 times
Reputation: 1244
Quote:
Originally Posted by reneeh63 View Post
Realistically, society as a whole benefits from women having babies and it's silly to try to partition out coverage as though it is special or "extra". Everyone has some condition or situation that is relatively uncommon such that others feel they shouldn't have to subsidize it. But that's how and why insurance works, so get used to it.
Private sector companies shouldn't be forced to take care of the society in a way that does not directly relate to their purpose. In the case of maternal coverage, a lot of employers provided it because it attracted good talent. But it shouldn't be forced on the employer.
Reply With Quote Quick reply to this message
 
Old 04-07-2019, 05:30 AM
bUU
 
Location: Georgia
11,881 posts, read 8,657,053 times
Reputation: 8401
Quote:
Originally Posted by TexasLawyer2000 View Post
Private sector companies shouldn't be forced to take care of the society in a way that does not directly relate to their purpose.
Indeed, society should be responsible for doing whatever is needed to take care of its members, but the United States went in a different direction favoring placing the obligation to fund healthcare, social security, etc., substantially on employers. It would be irresponsible to change that without first changing society so that it is directly funding healthcare, social security, etc., for its members from society's revenues.
Reply With Quote Quick reply to this message
Please register to post and access all features of our very popular forum. It is free and quick. Over $68,000 in prizes has already been given out to active posters on our forum. Additional giveaways are planned.

Detailed information about all U.S. cities, counties, and zip codes on our site: City-data.com.


Reply
Please update this thread with any new information or opinions. This open thread is still read by thousands of people, so we encourage all additional points of view.

Quick Reply
Message:

Over $104,000 in prizes was already given out to active posters on our forum and additional giveaways are planned!

Go Back   City-Data Forum > General Forums > Work and Employment
Follow City-Data.com founder on our Forum or

All times are GMT -6.

© 2005-2019, Advameg, Inc. · Please obey Forum Rules · Terms of Use and Privacy Policy · Bug Bounty

City-Data.com - Archive 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35 - Top