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[BUMP] Coming July '09 | Do insurance companies recognize "domestic partnerships"? |
I am pregnant and my insurance doesn't cover the pregnancy. I don't qualify for state assistance or medicaid.
I am trying to get my boyfriend to get a job with group health care benefits (which cannot turn down a pre-existing condition) but he refuses to marry me so that me and the baby can be covered.
So, my question is, do insurance companies recognize domestic partnerships? If so, are there any requirements? |
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cherie
 |
Some do! My friend just got her bf on her dental insurance because he is a student and doesn't have any but the medical was kinda expensive. Like $350 a month but that is much cheaper than having a baby with not! |
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phonedot
|
you will have to ask some do some don't |
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Judy1
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Generally no. Some companies provide insurance for domestic partners - even then it's usually for an officially registered partnership, not just for a pregnant girlfriend. Most companies don't. |
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PAMELA A
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make use of the SE like google or yahoo to get some ideas first if you want to get the massive information,however if you do not want to spend so much time,here http://www.HealthInsuranceIdeas.info/free-online-health-insurance.htm is a direct and good resource for your questions. |
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Insurance Pickle.com
|
It's actually the insurance company and the employer. Usually the insurance company needs to allow it and then the employer gives the go ahead to cover it.
Honestly, it sounds like you need a Plan "B" for this baby having a boyfriend who needs to get a job, get the right job, etc... etc...
You should have a state high risk plan...my state does. |
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golferwhoworks
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nope |
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mbrcatz
|
It's not the insurance company, it's the employer. The employer CAN shop out and say, ok, we're looking for a group plan that covers domestic parters. But 99% of the time, those are SAME SEX domestic partners.
And most of the time, employers don't do this, because, well, he can change his domestic partner every month if he wants to, and then all those old ones get COBRA opportunities, which makes the insurance company raise the rates for the employer.
SO. The way to be a "domestic partnership" is to get married. Generally, you don't get marital privleges without being married. He doesn't want to marry you. Clearly, he's not committed to you (or else he would marry you).
Plan B. Dump him, marry someone else for the insurance? Or start saving, and you'll have to investigate your birth options, and pay out of pocket. Hospital births cost the most, and are most likely to end in a c section, and have the highest mother and infant mortality rates. Birthing centers are second expensive, and home births are the cheapest.
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