Post # 1
I got approved for health insurance today which is very exciting considering I didn’t have any! I looked into getting it so we could get pregnant. Too bad we have to wait 12 whole months (yes, there is a waiting period) before we can even try to conceive 🙁 Good thing I looked into it when I did. Now I get to sit and wait…and wait…
Post # 3
12 before even getting pregnant?! That seems mean. I would expect the whole 9 months before live birth clause but wow. Nice job checking though…I’m never diligent about things like that, but I need to start looking into the details!
Post # 4
It is mean right? I guess they want you to pay your premium for an entire year so you don’t just get it, have your baby and cancel the insurance lol. It sucks but well worth the wait, at least I can have a count down now!
Post # 5
That’s awful! I wish you all the patience in the world!
Post # 6
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?
Post # 7
My health insurance had an 18 month waiting period… so it could be worse 😉
I think a lot, esp. if they’re not employer provided, have a waiting period of between 12-18 months. Good thing to look into if you’re changing insurance after getting married!
Post # 8
12 months will fly by! focus on enjoying your new marriage this year, and ttc will be here before you know it!
Post # 9
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.
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.