Switching medical insurance while pregnant

posted 3 years ago in Pregnancy
  • poll:
    I’m under DH’s insurance and he changed jobs and I was STILL covered in the new insurance despit : (1 votes)
    20 %
    I’m under DH’s insurance and he changed jobs and I was NOT covered in the new insurance despite : (0 votes)
    I’m under my own insurance and somehow changed jobs and was STILL covered in the new insurance des : (1 votes)
    20 %
    I’m under my own insurance and somehow changed jobs and was STILL covered in the new insurance des : (1 votes)
    20 %
    I’m under my own insurance and somehow changed jobs and was STILL covered in the new insurance des : (1 votes)
    20 %
    I’m under my own insurance and somehow changed jobs and was NOT covered in the new insurance despi : (1 votes)
    20 %
  • Post # 3
    Member
    1367 posts
    Bumble bee
    • Wedding: September 2013

    Posting to follow. 

    Post # 4
    Member
    8593 posts
    Bumble Beekeeper
    • Wedding: September 2013

    I don’t think you can get denied for pre-existing conditions next year under the new ACA. So I wouldn’t worry about that.  Some jobs do not allow you to join their insurance until after you’ve been there for a certain period of time though, that may be something to think about (like the first of the month following 30 days of employment).

    I switched jobs when I was about 9 weeks along but I was eligible for health insurance immediately because they considered me a transfer (otherwise I would have had a lapse of one month). I had already had one appointment at that time under my old insurance, but it was just a bunch of lab work (standard first appointment, no ultrasound). I didn’t have any problems after that.

    Also, I think your poll choices might be cutting off??

    Post # 5
    Member
    9137 posts
    Buzzing Beekeeper
    • Wedding: November 2013 - St. Augustine Beach, FL

    @proudcatlady:  Usually if it’s an employer-driven plan pregnancy will be covered as a non-preexisting condition.  It’s also definitely covered if you have proof of credible coverage within the 90 days prior to changing insurances.  And starting Jan 1, the ACA makes it illegal to consider pregnancy a pre-existing condition.

    Your husband also can ask HR about whether medical benefits kick in immediately upon transfer or whether there is a 90 day waiting period (pretty standard here in the US for new jobs.)  It may be worth putting off TTC until after you transfer so you know what benefits you’re going to get; it’s less than a year away.

    Post # 7
    Member
    661 posts
    Busy bee
    • Wedding: May 2012

    @proudcatlady:  in the US you cannot be denied coverage because youre pregnant … It is not seen as a “pre-existing condition” for purposes of denial… Not sure about other coverages..Also you should make sure that the new coverage starts immediately and you don’t have a waiting period…

    Post # 9
    Member
    11772 posts
    Sugar Beekeeper
    • Wedding: May 2013

    @proudcatlady:  DH’s company switched insurers (or will be come Jan 1st), and I’m due in February!

    So we were initially worried, but it turns out our new insurance is WAY better than our old insurance, so not only am I covered, but all of my appointments from Jan 1st until I give birth will cost a TOTAL of $20!

    Post # 11
    Member
    1367 posts
    Bumble bee
    • Wedding: September 2013

    @proudcatlady:  Thank you!  It’s really good to know these things in advance (just in case, right?)  Appreciate you sharing those links!!

    Post # 12
    Member
    3032 posts
    Sugar bee
    • Wedding: June 2013

    Due mid-January and switching Jan 1st to private (not provided by employeer) insurance and due to ACA pregnancy is not a pre-existing condition- thankfully.  I will be working for myself soon and I looked into getting private insurance before but I was told I wouldn’t be approved due to the pregnancy.

    Post # 15
    Member
    2114 posts
    Buzzing bee
    • Wedding: July 2012

    I’m in the US, 14 weeks pregnant. civered by DH’s plan, I just took a new job at large company that offers medical. My new employer is offering benefits. i wondered the same thing. When I went to orientation they gave me the paperwork for the insurance as well as the policy breakdown. It also have me the option to opt out and remain on my current insurance. I read the policy and it stated crystal clear that an existing pregnancy would be covered, actually that could not be denied due to pregnancy. 

    Therefore I decided to sign up. My new coverafe hoes into effect the month before my twins are due. Another thing I had to consider was id my new plan would cover me while in leave. The employee manual said it would atop being paid after 6 weeks of leave. I’m not planning on taking more than 6 weeks off. It in the event of catastrophe we had to come up with a plan b. My husbands insurance confirmed they would add me back on should it be apparent that my coverage come I an end due to inability to retuRN to work within 6 weeks.

    i actually think most employee offers plans have to cover existing pregnancy. But you have to read the policy. 

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