K.H.
I have a disability insurance that covers you 6 weeks pay if vaginal birth and 8 weeks if caesaran. It is a like Aflac but my company has a different company they go through. My first child I only had the disability insurance and I didn't have the top coverage so it really messed things up and we didn't have enough to pay all the bills. I think it has to be in effect 12 months before you conceive. So when we decided to have the 2nd child, I put the disability up to the max and then got the hospital confinement insurance and it pays you when you stay in the hospital for a day or two. I am not sure how they work if you don't have it through a company but you could call around. I also have a cafeteria plan with my employer that I can submit the bills and then pay from what is taken out of my paycheck. You might check to see if your husbands work offers any kind of disability, accident insurance, etc. But like I say you have to have them in effect 12 months or so before they will pay out. Good luck.