Post # 1
Random question…. For those with medical insurance… for those of you covered under your DH’s insurance, or with your own insurance… Did anyone or anyone’s Darling Husband change jobs/medical insurance while you were already pregnant? If so, did your or your DH’s insurance give you coverage for pregnancy/birth, or was that viewed as a pre-existing condition and you were not covered?
Reason I’m asking is bc I’m in the UK at the moment, and moving back to the States around March/April/May next year.
DH will get a transfer with his job and so will I. I’m not KU yet, but I do need consider the possibility of getting KU before going to the US…
Which is why I’m then wondering… what would happen to my health cover if I move to the US already preggers? I worry I won’t get coverage if that’s the case…
I know this may be heaviliy dependent on individual insurance but thought I’d try to get a general feel..
Sorry about the random question but was wondering if anyone had a similar experience..
Post # 4
I don’t think you can get denied for pre-existing conditions next year under the new ACA. So I wouldn’t worry about that. Some jobs do not allow you to join their insurance until after you’ve been there for a certain period of time though, that may be something to think about (like the first of the month following 30 days of employment).
I switched jobs when I was about 9 weeks along but I was eligible for health insurance immediately because they considered me a transfer (otherwise I would have had a lapse of one month). I had already had one appointment at that time under my old insurance, but it was just a bunch of lab work (standard first appointment, no ultrasound). I didn’t have any problems after that.
Also, I think your poll choices might be cutting off??
Post # 5
- Wedding: November 2013 - St. Augustine Beach, FL
@proudcatlady: Usually if it’s an employer-driven plan pregnancy will be covered as a non-preexisting condition. It’s also definitely covered if you have proof of credible coverage within the 90 days prior to changing insurances. And starting Jan 1, the ACA makes it illegal to consider pregnancy a pre-existing condition.
Your husband also can ask HR about whether medical benefits kick in immediately upon transfer or whether there is a 90 day waiting period (pretty standard here in the US for new jobs.) It may be worth putting off TTC until after you transfer so you know what benefits you’re going to get; it’s less than a year away.
Post # 6
@kes18: Thanks sooo much for the answer!! HUGE weight lifted off my shoulder. I think the new ACA is a key point! When we make the switch I’ll check the period until the coverage kicks in…but worst case scenario, even if it is 90 days, i can always come back to the UK in that period and get any tests done here as they’re free as part of national insurance.
@beachbride1216: Thanks SO much too!! I’ll gogle proof of credible coverage as I’m not sure how it’d work out for me since I’m coming from the UK..
but with this new act, would that not mean I’m covered in 2014 regardless of the proof of credible coverage?
I did consider putting TTC plans on hold but we’ve now been trying for 11 months and I’m 34.5 (only met Darling Husband later in life and literally started ttc’ing right after the wedding).. it’s been a long journey. So at this point, we made the decision we really need to keep at it given how long it’s taken as that’s the number one priority – and everything else we’ll just find a way to deal with it… part of the thinking too is that having a long ttc journey can be stressful, so we also didn’t want to put more stress by holding off life decisions as a result. But I have a feeling it’ll all work out!
Thanks so much ladies!
@canuckandakiwi: since posting this I also found some links confirming the same things in case you’d like to see them..
Post # 7
@proudcatlady: in the US you cannot be denied coverage because youre pregnant … It is not seen as a “pre-existing condition” for purposes of denial… Not sure about other coverages..Also you should make sure that the new coverage starts immediately and you don’t have a waiting period…
Post # 8
@MySunshine: thank you! so relieved to hear!
Post # 9
@proudcatlady: DH’s company switched insurers (or will be come Jan 1st), and I’m due in February!
So we were initially worried, but it turns out our new insurance is WAY better than our old insurance, so not only am I covered, but all of my appointments from Jan 1st until I give birth will cost a TOTAL of $20!
Post # 10
@BrandNewBride: wow, sounds pretty great!! hopefully my DH’s insurance would be good like that – or at least half as good (as I even 40 bucks would be a good deal for delivery!).
Post # 11
@proudcatlady: Thank you! It’s really good to know these things in advance (just in case, right?) Appreciate you sharing those links!!
Post # 12
Due mid-January and switching Jan 1st to private (not provided by employeer) insurance and due to ACA pregnancy is not a pre-existing condition- thankfully. I will be working for myself soon and I looked into getting private insurance before but I was told I wouldn’t be approved due to the pregnancy.
Post # 13
@aliciapdx: So glad to hear ! thanks so much for the response!
Post # 14
@proudcatlady: NP, arrive after Jan 1st and thank ACA 🙂
Post # 15
I’m in the US, 14 weeks pregnant. civered by DH’s plan, I just took a new job at large company that offers medical. My new employer is offering benefits. i wondered the same thing. When I went to orientation they gave me the paperwork for the insurance as well as the policy breakdown. It also have me the option to opt out and remain on my current insurance. I read the policy and it stated crystal clear that an existing pregnancy would be covered, actually that could not be denied due to pregnancy.
Therefore I decided to sign up. My new coverafe hoes into effect the month before my twins are due. Another thing I had to consider was id my new plan would cover me while in leave. The employee manual said it would atop being paid after 6 weeks of leave. I’m not planning on taking more than 6 weeks off. It in the event of catastrophe we had to come up with a plan b. My husbands insurance confirmed they would add me back on should it be apparent that my coverage come I an end due to inability to retuRN to work within 6 weeks.
i actually think most employee offers plans have to cover existing pregnancy. But you have to read the policy.
Post # 16
@fresitachulita: Thanks so much for sharing your story! And so glad the new job is giving you a great cover! I’m really encouraged by all the stories I’m hearing in terms of medical cover. and you raise a good point; when it comes time to transferring I will loook into my company’s maternity policy! thanks again!