I just spoke to an Aflac agent who was very helpful, but she needed to speak to an underwriter to get some of my questions answered. I am hopeful that someone here has been through this and will be able to help me.
One of the "knock out" questions on the application is something like "were you hospitalized or treated for anything in the last 24 months?" If I get pregnant a year from now, as planned, I would have to answer yes. Will HG be excluded because of this? I could always wait until after Annie's second birthday, but I would like to TTC a little sooner than that. I hate it that my family planning may revolve around insurance!
Anyhow, are there other issues that may come up with my Aflac app?
I intend to speak frankly to my employer about my intentions to get pregnant and what they can expect from me in terms of work before I TTC. Again, I hate having to do that but in my particular situation I think it's the best route. I am going to ask them (1) not to fire me; and (2) to carry my health insurance premiums. Is there anything else (within reason) I should ask for?