Weddingbee boards

That's crazy. It's like getting car insurance but you're not allowed to drive on the highway. It seems weird that they could say you can't get pregnant for 12 mos. - what if you weren't even trying and did?

I'm not completely up on insurance but from what I understand if you have had credible coverage with not more than a 63 gap then your waiting period for preexisting conditions should decrease.  Though there's lots of caveats, especially for individual coverage.

http://www.dol.gov/ebsa/faqs/faq_consumer_hipaa.html

Can I reduce or eliminate the maximum preexisting condition exclusion period?
Yes, if you can show "creditable coverage." Most health coverage can be used as creditable coverage, including participation in a group health plan, COBRA continuation coverage, Medicare and Medicaid, as well as coverage through an individual health insurance policy. However, you should try to avoid a significant break in coverage (63 days) if you want to be able to count your previous coverage. If you have a break shorter than 63 days, coverage you had before that break is creditable coverage and can be used to offset a preexisting condition exclusion period. Days spent in a waiting period for coverage cannot be used as credit. But, they also are not counted toward the significant break (63 days) you are trying to avoid.