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TN girl | Blue cross blue shield and pregnant? |
i have just been put on blue cross blue shield, but it doesn't go into effect until Oct. 1, and i just found out that i'm pregnant. will they cover the pregnancy? are they allowed not to cover it?
Additional Details
it's through my husbands employer, and it's supposed to cover pregnancy ect. i am just unsure since it's not in effect yet. |
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amber waves of grain
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Depends on the policy. Some plans stipulate you must pay for maternity coverage a full year before using prenatal/postpartum benefits. It that's the case it'll cover non-pregnancy claims (dr. visits for colds, etc.) but not your prenatal care. You'd just have to pay out of pocket for your prenatal care and delivery.
If the insurance is through your employer I'd bet they chose the maternity coverage and you should be covered by it. |
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MostChoice.com
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First off, congratulations on your exciting new news! Secondly, call BCBS and see what they have to say. There has been confusion thus far on this question, and I hope I can bring a little clarity to the picture. It is confusing because in some cases pregnancy is considered a pre-existing condition and in others it is not. One thing I would urge you to do is be honest with your healthcare provider. Not only is it fraud to lie about when you became pregnant when applying for insurance, but it is easily traceable and it’s important to have an accurate date as you move forward with prenatal care. Many doctors’ visits and screenings are based on when you became pregnant, for example.
The first link in the Sources section is to a federal law called The Health Insurance Portability and Accountability Act (HIPAA), which was passed in 1996. This law says that pregnancy cannot be considered a pre-existing condition – but it only applies to group health insurance, such as you would get through work. So, if you didn’t have health care coverage before your new job or you had a private individual plan, HIPPA won’t protect you in terms of having to wait for coverage. If you were covered under a group health plan and move to a new one, then there should be no waiting period at all. That should be true if you were covered under your partner’s previous employer-provided health plan.
Some women without insurance save money for their delivery by having the baby at a birthing center instead of a hospital. I don’t know much at all about them, so please research them carefully, but they are far less expensive (link below).
Congratulations again!
Barnes@MostChoice |
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Browneyedgirl
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if you found out by an ept test, just dont go to the doctor until after Oct. 1, otherwise check with your plan. |
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littlebettycrocker
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I girl, i am also from east tn, and i know that bcbs of tn will cover the pregnancy. You will have to pay your co-pay on your 1st visit and everything else should be covered after that unless you have a deductable you have to meet. Don't forget for sign up for the WIP program to help buy formula, milk, cheese, etc. Congrats !! |
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cutecancerchick
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IF YOU HAVE BEEN TO THE DOC ALREADY FOR "PREGNANCY" DIAGNOSIS, THEN IT IS PRE EXISTING. IF YOU JUST FOUND OUT, AND WENT TO THE DOC JUST TO GET A TEST DONE, THEY CAN DX IT AS "MISSED PERIOD" AND THEN YOU WON'T HAVE ANYTHING TO REALLY WORRY ABOUT. IF YOU HAVE ALREADY STARTED APPOINTMENTS AND ULTRASOUNDS, THEN YOU ARE GOING TO HAVE TO GET A "PRE EXIS QUESTIONAIRE" DONE BY YOU AND YOUR DOC AND GIVE TO YOUR INS AND THEY CAN MAKE THAT PART OF YOUR POL. |
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Nina
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When you filed out the application you knew you weren't pregnant, right? So you made a representation (meaning to the best of your knowledge the information on the application was true). Did you find out you were pregnant at the doctor office or through a home pregnancy test? If you found out through a pregnancy test I would wait until after your effective date to go to the doctor. But if you went to the doctor you still might be okay because you weren't aware of it at the time of application. You wil be able to fight the insurance company and they most likely will waive it so it won't be a preexisiting condition. |
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