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| This seems to be an ongoing problem for many of my readers at InsuranceGuide101.com. Does anyone know of insurance companies who are writing homeowners, auto or other insurance without using credit ... |
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 How many Savings Account Can be opened by an Individual without any risk? |
Please tell me how many savings account can be opened by a person with the banks like HDFC, ICICI, CITI BANK, etc.
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| On Friday night 2/20/2007 my husband and I came home to find our 18 year old son had fallen on his left foot and fractured it. We immediately took him to the closest Emergency Room. They did ... |
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Lauren R | We are currently looking for health insurance with maternity coverage, any advice where to look....more info? |
ones I have seen you have to have the plan for 12 months before the maternity will work. Is there any plans that have a shorter waiting period?
Additional Details
I live in Arkansas. |
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nurse ratchet
 |
It is doubtful. If people only bought health insurance when they wanted to use it, nobody could afford it. And it is expensive enough already! You may want to ask the agent that quoted it for you if coverage would be there if your wife got pregnant 6 months into the policy. Sometimes with a 12 month waiting period for maternity, any part of the pregnancy after 12 months is covered. The actual delivery of the child is the expensive part of maternity coverage. That is the way Blue Cross is in Oklahoma.
By the way "upstatecamp" is completely wrong - on a group policy, pregnancy cannot ever be considered a pre-existing condition if it is a small group - less than 50 employees. This is a part of the Federal laws of HIPAA. If you go to work for a small employer that has group coverage, and your wife is pregnant when you get on the health plan, her pregnancy will be covered. |
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hightechchic
|
As with most things regarding insurance, it all depends on your location.
In Virginia, the standard is a six month waiting period. That will vary from state to state (and even company to company.)
If you can tell us the state/region in which you reside, that would help a lot in answering the question. |
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elingeriedvdtoys1
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check there |
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Rick
 |
You might try and bookmark this website I have used for insurance research and news:
www.healthinsurance-guide.net |
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bvpeterson
|
Some group employer health plans do not exclude pregnancy as a pre-existing condition, so you may be able to get a job with a company that has this aspect of their insurance coverage. check before you start work there though.
The exclusion is common for individiual policies to keep people from buying the insurance, using the very expensive maternity benefit, then cancelling the coverage. The insurers call this "adverse selection". Its the same reason that life insurance contracts typically exclude suicide for the first 2 years of the policy (after which it is against state insurance law to exclude for suicide). |
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rbooks4u2
 |
Move to Canada. I live there and we are not without insurance.
Sorry,
bob |
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