So I have had my individual health coverage plan through Anthem for 2 years. When I signed up for my plan, I specifically asked the agent what would happen if I became pregnant. She told me that I would then call and tell them I am pregnant and they would add maternity coverage onto my policy, but she made sure to tell me that I didnt need to add it until I was about 4 months, because that would just be an extra cost. So I am only 4 weeks pregnant, I mean I think I've found out before you are supposed to. I called my agent today and told them I needed Maternity Coverage, blah blah blah. I didnt tell them I was pregnant, at the end of the conversation, the woman told me that if I was alredy pregnant that it would be considered pre existing. Well I have not been to a Dr. yet, to validate the pregnancy, so does the Drs. office send in the gestational date of the fetus, to prove to the insurance company that the pregnanc was pre exisitng!!?!? I have to have a c-section.
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OK there was NO misunderstanding on my part and yes i get the house insurance, car insurance, burnt, wrecked deal!!!!
What i have a problem with is that i am a 23 yo hard working mother who pays $300 towards health insurance each month. That is with a $2500 deductable, because i am independent. I have had this policy for almost 2 years, WHY WOULD I?!??! pay $100 dollars extra a month for 12 months before i am even pregnant. Ok i want this really expensive ring, i am going to save my money up to get it, why would i go get insurance coverage on it when i dont even own it yet!!??!?! why if i worked for a business where $18 dollars came out of my check every week to cover my insurance then i would get covered?!?! Pregnancy is not pre exisiting!!!! especially when i have been with the insurance for 2 years. i can understand if i didnt have a policy and then call and get insurance with someone after i found out i was pregnant with a wait. i think it is bs!