Anyone change insurance in the middle of a pregnancy?

posted 3 years ago in Pregnancy
Post # 3
Member
690 posts
Busy bee
  • Wedding: July 2012

I did, but not by choice. On Jan. 1 of this year, my employer switched over our insurance from Cigna to Aetna. So far it hasn’t been a hassle at all with my doctors. I see my OB regularly, of course, and also a chiropractor. I’ve also been to my GP since the switch, and the hospital we’re going to deliver at is fine too. Where I’ve run into trouble is with one of my prescriptions. There are three I take regularly, and two of them are fine. But the third, my prenatals, are not covered under this new plan and there is no generic version for me to take instead. I asked my doc, and she strongly recommended not switching them out for completely new ones unless we can find ones that are REALLY similar. For reference, I was 29 weeks when the switchover occurred, so I’ve been taking the same ones for a good amount of time. So now I’m paying nearly $50/month for my prenatals instead of the $20 I was paying before, but at least the baby will be here soon, so that shouldn’t last for much longer. 

Post # 4
Member
282 posts
Helper bee
  • Wedding: September 2013

I changed in the middle of my pregnancy.  The beginning was a hassle but only because DH employer didnt enter the information correctly.  Took about a week to get everything fixed but our doctors office handled everything seamlessly.

Post # 5
Member
8592 posts
Bumble Beekeeper
  • Wedding: September 2013

I had my insurance changed early in my pregnancy, after I had been to the doctor for my first visit.  I transferred jobs so they had to switch my insurance, I didn’t have a gap in coverage at all.  I think I was around 12 weeks mine was switched.  I haven’t had any problems so far.  You might call and ask your office if it would be a huge issue.

Post # 6
Member
1449 posts
Bumble bee
  • Wedding: January 2012

We made the decision to buy a plan just for me in Janurary. It was no hassle and my new insurance is cheaper and better.

In this case though I’d suggest having your DH wait. A new baby is stressful enough and if he is at a new job that adds extra stress while already struggling with a newborn he could start slipping in his work.You don’t want to be in that situation while in a probation period that they can just fire you for no reason or something. Plus you could be in the situation where a new insurance doesn’t include your doctor and chosen hospital and you dont want to have to find someone else halfway through your pregnancy.

 

Post # 7
Member
9137 posts
Buzzing Beekeeper
  • Wedding: November 2013 - St. Augustine Beach, FL

@idoalterations:  The biggest issue would be if the company institutes a wait policy for medical insurance.  Most companies I have worked for have made new employees wait at least 3 months before allowing them enroll in the company’s medical insurance.  He can probably negotiate that away but he’ll want it in writing as part of the job offer that he is eligible to enroll himself and his family on his first day with the company.

Post # 8
Member
644 posts
Busy bee
  • Wedding: May 2010

Yes, it was not a big deal at all for me, I think I was about 28 weeks at the time. THe only issue I had was one of my blood tests was sent to the wrong insurance and I got a bill, all I did was call them up and tell them to contact me correct insurance carrier.

Post # 9
Member
5697 posts
Bee Keeper
  • Wedding: August 2012

You should not have a problem with it, the biggest issue is the whole Pre existing condition thing, which thanks to the ACA is not allowed anymore.

Post # 11
Member
4523 posts
Honey bee
  • Wedding: April 2012

Our situation was different.  DH didn’t change jobs, instead we upgraded the insurance we already had through his company.  It was no hassle at all and now our hospital stay and delivery will be covered 100% instead of 80%. 

Post # 12
Member
293 posts
Helper bee
  • Wedding: August 2011

I’m in the middle of switching, and I’m 27 weeks.  I just plan on making sure the office knows to bill the correct insurance for the next few times I go in.

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