Post # 1
My husband has pretty much been considered NTNP status for a job search. He has been working for a company he has been getting increasing frustrated with, and has former coworkers at two other companies that are trying to get him in there. earlier this week his waiting game came up when the HR rep of one of the companies called him. Yesterday he was offered the job, and plans on giving his boss 4 weeks notice today (he was scheduled to go on a trip for work in the beginning of June and doesnt want to leave them hanging right before the trip.).
So, after all of that backstory, I am on my husbands insurance. Currently I only work part time, and I will have to leave my job in the Fall to student teach. We were planning to start TTC at the end of June, a week or two after he starts his job. His new insurance wouldn’t kick in until 30 days after he is working for the new company, so there is a possibility we will conceive in the two week window that we will be uninsured. I tried looking this up last night, but got frustrated and quit. Also, if we don’t conceive by Sept or Oct I have to consider halting TTC for a little while, because I don’t know how hire-able I will be in the Fall if I have to go on maternaty leave right away. So I fell waiting another month until we are insured is taking away one of the four months I have to get pregnant.
So, in the small chance we do conceive right away, in the two week window that we are not covered by our health insurance provider, our insurance company still has to cover the pregnancy, right (wasn’t that part of obama care?). I obviously wouldn’t go to the doctor in this two week window, I would wait to schedule something till after we have the new insurance policy.
Post # 2
Most doctors won’t see you until your 8ish weeks. And I’m almost positive that insurance can’t say no bc of being pregnant.
Post # 3
Okay. That’s what I thought. I was planning on going to my primary to get a blood test when/ if I get pregnant right away. But I still wouldn’t find out if I need the blood test until right before we are insured again.
For some reason I’m worried that our insurance company will find out that we conceived in the two week period that we weren’t covered by them and not cover the whole pregnancy.
Post # 4
auggiefrog: They only way you would be denied if if your husbands new insurance carrier has a plan that doesn’t include maternity. For example Company A has 10 employees all male they could chose a plan that doesnt include maternity. I work in the insurance industry. That case senerio is very rare though.
Post # 5
auggiefrog: You should actually be pretty well off in this situation. I know that people cry foul with Obamacare alot, but there are two previsions that actually help you a lot! The first is, that coverage of maternity/womens health/reproductive issues is mandatory for all insurance companies. The second is that they can’t deny you for insurance based on a preexisting condition. It really should be no problem for you.
Post # 6
I don’t think that insurance companies are allowed to not cover maternity care after the ACA. And I’m certain that they can’t not cover the pregnancy as a “pre-existing condition” because you conceived before the insurance started. Also, many times the insurance doesn’t technically start until a specific date, but medical costs before that day may be covered after the fact. So, I think you’ll be fine insurance wise.
Also, it’s important to keep in mind that FMLA (that says your job has to give you time off for maternity leave and not fire you) only kicks in after a year, so be sure to take that into consideration if you’re looking for a new job in the near future.
Post # 7
Sassygrn: Misswhowedding: Thanks ladies. I feel a lot better about this. Our health insurance would be pretty much the same as the health insurance he has know (same company, same or better plan). And I thought there was something in obamacare that prevented them from denying our claim if I did get pregnant before we were re-insured with them, but again, all of this insurance stuff is so over my head!
Post # 8
JenGirl: I’m willing to deal with the FMLA stuff. I’m in my thirties, and not willing to wait longer, so I can deal with DH having to go back to work soon after the baby is born. And in his line of work, even without FMLA, I’m sure he could take an extra week or two off without pay, and he would be fine. I wouldn’t be working right after I deliver, if all goes well with TTC. I will wait another year after baby one to try for another, which should put me safely under FMLA as long as I get a job right away.