(Closed) Early Pregnancy and changing health insurance

posted 8 years ago in Pregnancy
Post # 3
1040 posts
Bumble bee
  • Wedding: November 2012


Most of your questions can only be answered if we know more about your husband’s plan (large group/small group, grandfathered or not, etc.).  I think the best place to start would be to send these questions to your husband’s benefits contact or HR contact as they know your medical plan specifics.  If the company works with an insurance broker, they can help get exact details and benefits for your pregnancy care/coordination of care.


Post # 5
1096 posts
Bumble bee
  • Wedding: June 2011

The pre-existing condition clause only applies if there is a lapse in insurance. Typically if you’ve not gone more than 90 days without insurance then the clause does not apply. 

Post # 6
7899 posts
Bumble Beekeeper
  • Wedding: March 2012 - Pelican Grand Beach Resort

Pregnancy cannot be considered a pre-existing condition on group policies (which anything through an employer should be).

I swtiched insurance halfway through my pregnancy. I just made sure my OB took both the old one and the new one when I chose my OB. No problems.

Post # 7
6891 posts
Busy Beekeeper
  • Wedding: June 2011

All depends if your DH’s insurance has pregnancy built into their policy. I work in health insurance.  Some plans can opt out of pregnancy coverage.  Also if it does cover pregnancy I would check out how much out of pocket you have to pay. 

You should be fine as long as no lapse in coverage.

The topic ‘Early Pregnancy and changing health insurance’ is closed to new replies.

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