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harold
Pregnancy as a preexisitng condition?
My sister-in-law is pregnant. She does not presently have any health insurance. Firstly, is pregnancy considered a preexisitng condition? Secondly, if so, would she be able to get individual health insurance to help with the costs of regular visits, etc of her pregnancy? Thanks in advance for your help.
Insurance companies will not write an individual policy on a pregnant woman or anyone in the family of a pregnant woman. Group policies will accept pregnancy and will cover; they cannot deny or consider it a pre-existing condition.
You might get answers concerning discount cards. Be very wary of these cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. Montana couldn’t find any doctors in the whole state that actually took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card and fined the company. See this link http://www.insurancejournal.com/news/west/2006/11/22/74554.htm for more information. Many other states are starting to ban these cards as well.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
Kaushik A
Hi,
Pregnancy is considered as pre-existing condition.Sorry to say,you won't get individual health insurance cover for your sister-in-law.But good news is if qualified,Medicaid(cover preexisting condition) could be a good alternative for her.
Lori S
Group insurances through employers cannot view pregnancy as pre-existing but individual policies can. If she can't get on a group policy, she may be eligible for medicaid in her state. If that is not an option, most OB's and hospitals have cash discounts for pregnancy and delivery. Many county health programs also have sliding fee schedules based on income as well.
Insure Man
Unless she can get group coverage, then no, insurers will not cover her until the child is born. At that point, she and the child can apply for health insurance coverage.
Since she is already pregnant, she will not be able to purchase a health insurance policy to cover the expenses related to to her pregnancy.Pregnancy is a pre-existing condition.
mbrcatz
If she has no current coverage, yes, it's pre-existing, and no health insurance company is going to insure a pregnant woman.
Her ONLY chance, is going through Medicaid.
cobraeaterss
My wife was pregnant when I changed jobs. My insurance at the new job picked her up and she was covered. Under HIPAA law, a pregnancy cannot be ruled "pre-existing" and insurers cannot deny coverage.
Paul S
Insurance companies will look at the pregnacy as pre-exsisting
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