Just a tip for you. I got Aflac and during the meeting when I signed up, the guy tried to sell me about 10 different policies to tack on to my STD. One of them was intensive care coverage. (For me or baby, either or, same policy). It was something like $13 or $15 extra per month. I ALMOST turned it down but figured it'd be like tempting god. So I got it.

Lo and behold my baby was in the NICU for a week. Today I got a 5 digit check in the mail from Aflac for her NICU stay. We haven't even gotten the hospital bills yet. I'd say the extra little bit per month was worth it! I highly recommend looking in to this type of add-on policy, if you have Aflac or another STD.