Lauren Said:

Health insurance- dependent coverage, prenatal covered?

We Answered:

Yes, and yes. It really depends on each individual insurance.
If she is a qualified dependent then it will be covered **IF** the parents policy covers maternity. Maternity is not automatic coverage in all circumstances and is a benefit that is being made optional with much greater frequency in those states where the insurance company is not obligated to include it. The baby however, will not be covered. The dependent of a dependent is not typically a eligible covered dependent on any insurance plan. I've seen insurance plans that would cover a 19 year old child dependent, but, when you check the maternity benefit, she won't be covered unless there is a complication with the pregnancy. So, check your policy details or better yet, call your agent for accurate information because it really depends on your policy.

I personally have not seen any plans in my company that automatically cover this. You may need to look into applying for Medicaid for the grandchild.

Christy Said:

Can I have a dependent care FSA for child care expenses & an HSA with a HDHP health insurance plan?

We Answered:

You can have both; the FSA will not affect the HSA. Here is the IRS publication for information on both plans: http://www.irs.gov/pub/irs-pdf/p969.pdf