Post # 1
I need some advice! I recently found out I was pregnant after taking 4 positive home pregnancy tests. It was not planned but we are very happy. I have had a lapse in my health insurance for about 3 months since I cut back my hours at work for school. I enrolled in DH’s insurance through his workplace during open enrollment and will be insured again beginning in January. I made an appointment with an OB for Jan 10 when I will be about 9 weeks pregnant. However, my mother thinks that since we conceived when I was uninsured, the insurance company will not cover any of our prenatal visits or delivery. Has anyone ever heard of this? I am wondering if I should call Planned Parenthood or think about applying for Medicaid. I’m not even sure if we will qualify for either because our income may be too high, but it’s definitely not high enough to pay for all of our prenatal expenses out of pocket! Any insight you can offer would be much appreciated! I am hesitant about calling the insurance company about this issue for fear that it might raise a red flag. Maybe my mom just dosn’t know what she is talking about (hopefully), but she seems to think it is “common knowledge.” I live in NY state if that helps. Thanks!!!
Post # 3
Have you been to a doctor to officially confirm it? If you haven’t, then you might be able to plead ignorance. Not sure if a baby is considered preexisting on all insurance plans or not.
Post # 4
I don’t think it will matter if you haven’t been to the doctor yet to have it confirmed.
Post # 5
I agree, until it has been confirmed by a doctor or reported by you then it is not a pre-existing condition.
I would be careful how you phrase things and who you contact. Everything should be, “I think I may be pregnant”.
Other than that you should be fine.
Post # 6
if the insurance is through an employeer, they cannot count the pregnancy as a preexsising condition and you’re fine
Post # 7
I agree with the PP…sine the insurance is through an employer, your medical care should be covered. Congrats on the pregnancy too.
Post # 8
if you had signed up individually for private insurance, they can count pregnancy as a preexisting condition. an employer sponsored plan cannot. you’re fine!
Post # 9
Ditto the previous 3 posts. And if you do want to confirm this with the insurance company and they try to say otherwise get someone else on the phone. They don’t always know what they are talking about. I about had a heart attack when some woman tried to tell me it was pre-existing (After I’d confirmed we’d be covered previously) – but really she was just clueless!
Post # 10
Thank you everyone! I finally found our insurance brochure and read that they don’t consider pregnancy a pre existing condition. It’s such a relief to see it in writing!
Post # 11
- Wedding: May 2018 - Our home and the two acres it sits on
@alishadhs4:Right, this was my comment. If through open enrollment (or even through a life event like marriage) and employer-sponsored, pregnancy cannot be counted as a pre-existing condition.