Post # 1
I have Blue Cross Health Insurance and I currently am under a plan that does not cover maternity. I have 2 change of status request forms from them one says that changing health care benefits is only allowed at the contract anniversary dates and another that says you can only change benefits once every 12 months.
I would like to change my health care benefits to one that covers maternity since I’m getting married in a few months and my fiance and I are open to trying to become pregnant right after the wedding.
My question is if we were to get pregnant in August and my contract can’t change until September, will they cover the costs of the doctor visits and delivery after September since we would already be pregnant?
Post # 3
Ooooh…good questions. Did they give you a health policy packet when you enrolled? I know I have one floating around somewhere that details some of those issues.
Normally, when you get married (a life altering event) you can change insurance policies too – other than that it is open enrollment in August for us. You may want to contact your insurance folks too, although I wouldn’t trust them as far as I can throw them. I wonder if being pregnant would be considered a “pre-existing condition” 🙁
Post # 4
I would ask your HR person, but generally, when you marry/have kids/experience some other “life-altering event”, you can change or update your benefits to what suits your new situation.
Post # 5
Id double check with the insurance that you plan to use, I believe it would cover it but not totally sure. I was able to dis-enroll in my health plan and join my husbands after our wedding because of a “life altering event”, otherwise we wouldve had to have waited until January this year. Since you are getting married in July cant you change it since its a life altering event?
I know you want to get pregnant right after the wedding, but it might not happen and you wont have to worry about the insurance not taking effect until September. My SIL and BIL started trying a month or so before their wedding in October and just got pregnant in March. Good luck though!!
Post # 6
My understanding is that some insurance policies may not cover anything related to pregnancy if you become pregnant while under the plan that excludes maternity coverage. (This is probably not true for everyone plan, just some.) If you have the insurance through a place of employment, you can check with the HR/ benefits person to find out specific details about your situation however.
Also, if you have a life changing event, you can add a spouse, etc, but I’m not sure if you can actually change the policy itself (other than to add the person). The benefits person would be able to explain that too.
Edit: I was trying to find something more specific about insurance companies excluding pregnancy coverage. I have insurance but when I was researching private (not through a place of employment) options, I saw some things like “270 day benefit waiting period” for labor and delivery and hospital stay coverage. Not sure how that would work…
Post # 7
I agree that getting married is usually a life changing event that allows you to change your insurance. I would check with the HR of your company. I don’t think that pregnancy is considered a preexisting condition for an insurance company.
Post # 8
I’ll be sure to contact them on Monday.