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14 states mandate coverage for employers with more than 50 employees: AR, CA, CT, HI, IL, MD, MT, NJ, NY, OH, RI, TX, WV.

If you live in one of these states, and work for an employer with more than 50 employees you may be covered. If not there are other options.

You can pay using pre-tax dollars via your FSA at work.

You can apply for supplemental insurance to cover your maternity leave, and any complications.

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