My wife already has insurance that has a high deductible for pregnancies. I'm trying to find a good supplimental insurance program (i.e. aflac., etc) specifically for expecting mothers or mothers who plan on having children. Any good suggestions?
My wife and I are planning on having children (so we are not pregnant yet) but we are looking into how to pay for the pregnancy. My wife already has insurance that has a high deductible for pregnancies. I'm trying to find a good supplimental insurance program (i.e. aflac., etc) specifically for expecting mothers or mothers who plan on having children. Any good suggestions

I have blue cross with a high-deductable . . and I was unable to get any other insurance (as a secondary) because if you are pregnant before you get the insurance (even if it normally covers pregnancy) it will not cover pregnancy because they consider that to be a pre-existing condition.
good luck! God bless!

Should I get the "Loss Damage Waiver", "Supplemental Liability", or none? I remember there being some rule of thumb about this, either Always buy it or Never buy it but I can't remember.

Supplemental liability/ldw only kicks in after your own insurance is exhausted. If you have good coverage (100/300), you don't need it.

Most credit cards offer liability/collision coverage if you use the card for the rental.

I never buy it.

In The state of Texas is it legal to have 2 supplimental insurance in addition to my medicare coverage?

I don't want to go to HMO's or PPO's for coverage. With 2 supplemental coverage I can efford to go to the the best doctors and hospitals and when I have an HMO or PPO I feel like I'm in a kennel or cow pen and the Doctors don't communicate well with the people they treat very well unless you know exactly what the questions are. They simply don't go into any details of any condition one may have. They are in a hurry to get you out to go onto another person.

Since insurance is regulated on a per state basis, I would check you Insurance Commissioners website.

Medicare Supplemental plans are regulated at the federal level so the plans are pretty much the same. The main difference is really the premium that each insurance company can offer. Supplemental plans will pay for what Medicare does not pay for so you should really only need one and that's it. The supplemental insurance will pay for the deductibles and the 20% of all your dr visits that medicare does not cover.

If you go to the dr often, I would check out Plan F with Bankers Life & Casualty. If you're pretty healthy, look into Plan J which is cheaper and it covers an annual physical. If you're on one of these two plans, you really should just have one Medicare Supplement plan

What insurance company provides the best supplimental coverage for the 65 and over person?

I need to obtain Supplemental medical insurance as I am approaching age 65. What is the least problematic way to get necessary information on coverage without dealing with an agent of the companies. What questions should I be asking and how do I do a cost comparisence. It , so far, sounds like I will be paying the same amount for all the necessary coverage, that I am paying now. Please give me some questions to ask or how to make this easier !

Well, it's on a state by state basis. Not all supplemental plans are offered in all states, and coverages vary by state, also.

Your BEST bet is to have a sit-down with the guy who writes your auto and homeowners insurance, and ask him about it. He can ALSO do a cost/coverage comparison, and will have working knowledge of the SPECIFICS of YOUR STATE.

Can anyone be kind enough to give me some suggestions for a good supplimental insurance to go with my social security for seniors that is good but not too afully pricey ? Thanks ever so much.

The best resource for this is to call Medicare who will give you the information you need, including which ones will cover what and which ones will help pay for medications.

They do this willingly. Being 65, I found out this is the best resource. AARP is very expensive for people who only have social security for income. I would love to give you a name but this site has become very untrustworthy. Many on here pretending to be seniors who are not.

This is an edit: I should have given you more info.
Medicare Advantage Plans work best for seniors. They are cheaper.
They bill Medicare and you do not have to deal with paperwork. The only card you have to show your doctor is your Medicare Advantage Plan card.
Some of the plans will have specific doctors who are on their provider list (their doctors). Ask them if your doctor is on their list.
Ask them how much the deductible is.
Ask them how much the co-pay to your doctor is and ask much for specialist and how much for ER visit.
There are some good plans and some bad plans.
I have a Medicare Advantage Plan and my doctor was on it provider list. Just be sure to have your doctor get precertification for anything you need to have done with a specialist. It is an easy process. They contact your plan and get precertification. You will be mailed a letter confirming this has been approved.
They will also give you a list of medications they approve. Most all good medications are on there. The only ones usually not on there are things for anxiety but they will approve if doctors says you need it.

I have saved over $1000 in prescription drugs since I turned 65 and joined a Medicare Advantage Plan. Your prescriptions can range from $5 to $25. Check them all. They vary in different states. You will not need a supplemental insurance plan on this because they cover hospital, and others.
Example:
Doctor visit: 10.00 (covers all lab done by your doctor)
Specialist visit: 25.00 (must have approval from your PCP (physician care provider, meaning your doctor).
You don't have to deal with any of this.
The ER visit is usually $50 but that is a lot less than out of pocket expense which could be well be more than $500.

I really hope you will consider looking into this. You can enroll in one of these plans between November and March of each year.

This is in the USA.