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cherripye99 | Does becoming pregnant qualify as a life changing event for most insurance companies/employers? |
Commonly, life changing events are listed as marriage, divorce, and birth of a child, ect. If a person doesn't have insurance and learns that they are pregnant, will most companies allow enrollment at that time even if enrollment is scheduled at a specific time of the year? |
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sarah314
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No. If you are not already enrolled in your company's health insurance plan, you will have to wait until the next open enrollment. Becoming pregnant doesn't qualify.
Birth of a child would qualify - if you were already enrolled on the plan, and then wanted to add the newborn before the next open enrollment period. But not just becoming pregnant. In fact, if you're not already on the plan, you probably won't be able to add the baby when he/she is born either. Both of you will have to wait until open enrollment. |
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Mrs. B
 |
Most companies would not allow you to enroll upon becoming pregnant. You'll have to wait until the next enrollment period to sign yourself up.
However, if you have the child before the next enrollment period, that does constitute a change in life status and you should be able to enroll you/the child then. All of your expenses prior to enrolling, though, likely won't be covered. |
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TEA
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Becoming pregnant is not considered to be a qualifying event. The birth of the child is a qualifying event for both the mother and the newborn. If the person who is pregnant has not experienced an involuntary loss of coverage, this person will have to wait until open enrollment or the birth of the child.
Pregnancy cannot be considered a pre-existing condition under HIPAA for a group health insurance plan. |
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Lori S
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No, your employer (and consequently their insurance) does not consider pregnancy an event that would allow you to enroll prior to open enrollment. In addition, you would usually only have a 30 day period after birth in which to enroll your baby but that would only be allowed if you were already on the insurance. Therefore, you will need to wait until open enrollment and get the insurance. Then, enroll your baby (if it's already been born) or enroll it during the acceptable time frame after birth. |
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Christie
 |
No. Becoming pregnant is not considered a qualifying event. The birth of your child will be a qualifying event, and you may elect coverage on the date of birth (for your entire family, not just the infant), but nothing related to your pregnancy will be covered. All of baby's bills will be, however. |
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lparker_2005
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It will really depend on what insurance the employer has. Some companies will allow you to make changes upon becoming pregnant, while others won't let you make any changes until you either have the child or the next open enrollment period.
Your best bet is to talk to someone in the HR department to find out how their policy is set up. Or if you have any paperwork about the insurance you could look through it to see what their policies are. Good luck! |
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Princess Leia
 |
No, it won't qualify, although I am surprised that your employer would allow you to waive the health insurance in the first place.
The reason why marriage is considered a life changing event is that it would allow you to enroll your spouse (but it wouldn't allow you to enroll yourself if you had already waived coverage). Divorce is a life changing event because you might have waived coverage because you were covered under your spouse's health insurance but since the divorce, you are no longer covered. Birth of a child is considered a life changing event because it would allow you to enroll your child (this is assuming that you were already enrolled).
Check your employer's policies about the insurance, but, I don't believe becoming pregnant (or even giving birth to the child) would be considered a life changing event to allow the mother to enroll in a health insurance plan that she waived at the time of open enrollment.
Sorry :( |
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theosharatos
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With some insurance companies it is considered a sickness. That's how I was covered. Jennifer |
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Badkitty
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No, you would not be allowed to enroll until after the birth of the baby. The pregnancy would be considered a pre existing condition and would NOT be covered even if you could enroll. |
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michael45672007
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The short answer is yes, most employers will allow you to add a new child to an insurance policy once the child has arrived. The pregnancy will be covered for the mother There generally is a time line for adding the child once the birth has occurred. |
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