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TTC as of Dec. 1 | Pregnancy and Insurance, Please help!? |
Alright. This is a little complicated, so bare with me. My husband and I are trying to conceive. We are currently on different insurances because his requires him to be there for 18 months before insuring any dependents. His 18 month date is set for the end of April. He is insured through his work (UPS). He has been insured since Oct. 2007. I am insured through my work (BlueCross) and I have been insured since Oct. 2008. Before that I was on my parents insurance until June or July 2007. My question is, since I was uninsured for appx 3 months, if I get pregnant before April, will his insurance cover my pregnancy?
I also found this website, saying this "There are certain pre-existing conditions for health insurance that cannot be used to deny coverage for an individual. Pregnancy, newborn, and adopted child care are some pre-existing conditions for which health insurance cannot be denied."
http://www.bad-faith-insurance-claims.com/unum-provident/pre-existing-health.html
Additional Details
My husband spoke to a union rep tonight and he said that pregnancy is a pre existing condition. |
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sarah314
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A group health plan through an employer cannot consider pregnancy pre-existing.
Individual, private health insurance plans that you purchase on your own can (and do) treat pregnancy as a pre-existing condition.
As long as your health insurance plan is through an employer group (your own or a spouse's), your pregnancy would not be considered a pre-existing condition.
* This is assuming, of course, that the plan covers maternity and prenatal care. |
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Stephens Baby
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It should cover you as a pre existing condition. Why doesn't your husband talk to his company and found out for sure? |
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ohh_herro
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more than likely your pregnancy will be under your insurance, since you are the insured. I also think the dependency thing through his insurance doesn't apply to babies, it is probably for people transferring their kids over. |
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Zarnev
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Pregnancy will not be considered as a pre-existing condition with any group policy, even if you did not have prior coverage or if you had a lapse in coverage. Here is the government website concerning your question: http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html
The question will be can you cancel your current policy. Most group policies will not allow you to cancel or change unless you have a life changing event. The birth will be considered a life changing event but not the pregnancy. Becoming eligible for his policy is usually not considered a life changing event. You need to verify with your current insurance when you are able to cancel it. |
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RAYMOND J
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At first,you may collect some infomation by inputing the relevant keywords in search engine,if you getgood luck there ,then your problem is solved.nevertheless,if you could not find the ideal answer for your question by doing that,here http://www.healthinsurance-onlinetips.info/health-insurance-for-free.htm is the resource i suggest. |
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Insurance Pickle.com
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It would be wise to get pregnant AFTER you're on the plan you're going to keep through the pregnancy. |
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