(Closed) Can you get insurance AFTER getting pregnant?

posted 8 years ago in Babies
Post # 3
Member
2313 posts
Buzzing bee
  • Wedding: August 2011

Well, something LIKE this happened to me. I started a new job about two weeks before I found out I was pregnant, so I didn’t get the insurance coverage for 90 days, which is normal for most workplaces. But when my coverage did kick in, the pregnancy was fully covered even though I found out I was pregnant before I was officially covered. Most insurance companies do not consider pregnancy to be a pre-existing condition and will cover it even if you are pregnant before you get their coverage. Actually, a couple men at my workplace had wives who were pregnant and switched their insurance to our company’s because it was better, so most insurance companies will cover you even if you get their coverage after you find out you’re pregnant. I don’t think it affects your rates specifically, but a high number of pregnancies in an office can in turn cause higher premiums for the company as a whole during the next insurance period.

Post # 4
Member
171 posts
Blushing bee
  • Wedding: September 2010

Do you mean as in get insurance while you are pregnant? If so at my company yes you can. It just depends on what type of insurance you decide to get, as in opting for an hsa wouldn’t be your best bet, but we don’t have any limits of getting insurance depending on what your health is, I think it might even be discrimination to refuse someone insurance if they are pregnant.

Post # 5
Member
4419 posts
Honey bee
  • Wedding: December 2010

Couple of questions.  Do you have any insurance now?  Are you wanting to get insurance BECAUSE you are pregant? 

Most insurances will not cover a pregnancy that happened before the policy was in effect. They will, however, cover complications caused by the pregnancy.

Now my insurance license is expiring this month. I have not kept up on the current insurance laws and regs, simply because I have no interest in continuing to sell insurance, so the laws may have change, and I could be wrong.

Post # 6
Member
3526 posts
Sugar bee
  • Wedding: August 2010

Are you talking about health insurance? Or disability insurance?

I can’t imagine a insurance company denying you because you are pregnant.
However, if it’s disability insurance for maternity leave benefits, then NO. You have to have that insurance policy in place PRIOR to getting pregnant.

Post # 8
Member
2313 posts
Buzzing bee
  • Wedding: August 2011

@Loribeth:

When I found out I was pregnant, I looked into buying a private policy just in case my work insurance wouldn’t cover the pregnancy since I got pregnant before the 90 day waiting policy was up. THOSE I think would not cover pregnancies, but I think, based on my experience, the policies carried by workplaces will. My workplace had Humana and as soon as the 90 day waiting period was over, they covered everything with no problems, and offered to reimburse me for any pregnancy-related costs I had incurred during the waiting period.

Post # 9
Member
14183 posts
Honey Beekeeper
  • Wedding: June 2009

Depends on where you work and the policies. I didn’t have a “working period” at my company. I had insurance the moment i walked in the door. So legally, yes, I’d have insurance if i was pregnant.

Post # 10
Member
4137 posts
Honey bee
  • Wedding: May 2011

private companies can and most likely will consider pregnancy a pre-existing condition and thus not cover it. if you have access to an employer-sponsored policy, those CANNOT consider pregnancy a pre-existing condition as long as the company has 50+ employees.

Post # 11
Member
2820 posts
Sugar bee

From what I can gather you have to get on some kind of group plan for pregnancy not to be considered a pre-existing condition.  So if you really get in a crunch going to work at Starbucks or something can be a good way to jump into a group plan and not be denied coverage.  However, other than that I haven’t seen many individual plans that you won’t be paying out the wazoo for and at that point it might be worth talking to your OB office about not having insurance and see what prices they can come up with, it might be cheaper than individual insurance.  Other than that some states have programs but most are based on joint low income. 

Post # 13
Member
10366 posts
Sugar Beekeeper
  • Wedding: September 2010

Where I live, it’s illegal to not have health insurance, so there’s actually good, affordable options through the state government (GO LIBERAL MA!! 🙂 ). Employer insurance also starts day one of hire, so we don’t have that 90-day gap (by law).

Group insurance vs private insurance if you work for a really small company or for yourself may have different costs associated with it. Legally, you can’t consider pregnancy a pre-existing condition to deny coverage for. I think it is still legal to charge more, though (depending on the type of health insurance). If you go to work for a big company that has good group coverage, it wouldn’t be an issue.

If you’re worried, i’d say move to MA 😉

Post # 14
Member
1184 posts
Bumble bee
  • Wedding: August 2011

basically what kitzy said….private insurance policies are allowed to deny pregnancy coverage depending on your plan, but group policies (like workplace-sponsored insurance) cannot legally consider pregnancy a pre-existing condition. also, since you said you are not even TTC yet, things are going to change more (for the better) in the near(ish) future, as more of the insurance reform measures that were passed start going into effect.

Post # 15
Member
2392 posts
Buzzing bee
  • Wedding: September 2011

@bells: I think the BIG difference will be if you’re jumping on an employer plan (during open enrollment or by getting married) vs. picking up individual private coverage on your own.  It’s very hard (and expensive) to find maternity coverage in private plans whether or not you are already pregnant, but for an employer plan I don’t think it’s an issue.

Post # 16
Member
1246 posts
Bumble bee
  • Wedding: June 2010

It is a law that if you aquire insurance through a workplace, they cannot count being pregnant as a preexisting condition. However, I do not know of any private health care policies that will cover a pregnant woman. It is considered preexsisting.

The topic ‘Can you get insurance AFTER getting pregnant?’ is closed to new replies.

Find Amazing Vendors