Hey mamas! I am pregnant with our second due in October and signed up for an Aflac plan in December. It's effective date is 1/1/22. We had a miscarriage in September and I bled for a month or so and then had irregular periods. Irregular like one every two or three weeks and then 5 days long or 3 days, etc. The fine print of the policy says we have to have conceived on or after the effective date. Unbeknownst to us, we got pregnant (I'm assuming) December 31. Great luck, right? The only reason I am assuming that is our date is because my last period started December 30. My tracker app says I ovulated on the 1st of January. So help me out here. Am I screwed out of my maternity leave because we had sex a day too early?? :( I'm really nervous about this because if I don't have this Aflac insurance policy pay out, I will only have a 10 day maternity leave and I don't think my mom heart or body can handle that. We can't afford for me to take FMLA 12 weeks unpaid so I need the 6 weeks paid Aflac offers. They said they would consult my doctor sine the date is so close to the effective date but now I'm curious if my doctor could help me out lol.
I don't at all want to commit insurance fraud, don't get me wrong. But if I didn't ovulate until Jan 1, would it be safe to say it was Jan 1? How do I phrase this to my OB without it sounding like I'm trying to ask him to commit fraud?