(Closed) TTC and changing insurance???

posted 6 years ago in TTC
Post # 3
Member
5977 posts
Bee Keeper

So, you can have two different insurances, but the insurance companies have to work together on who is going to pay primary vs. who is going to pay secondary. You can’t pick and choose based on which insurance is better…the insurance companies decide that on their own. So when you go to the doctor, you have to present both cards, otherwise you could have issues down the line with recsinding claims. 

Can you ask your job that is closer if their plans have any pre-existing condition clauses in their plan? My company doesn’t have any clauses, so it doesn’t matter if you’re pregnant or not…you can still get coverage with us.

Post # 4
Member
2000 posts
Buzzing bee
  • Wedding: July 2009

@Mickey9998:  I think, but am not sure, that as long as you don’t have any gaps in your insurance coverage, your new insurance company cannot say that you have a pre-existing condition when you switch over.

If it were me, I would stick with the better insurance until you are ready to quit that job and then you can switch over to the new insurance. As long as you don’t have a single day without health insurance, the new company can’t claim your conditions are pre-exisiting.

Post # 5
Member
13099 posts
Honey Beekeeper
  • Wedding: July 2010

@bunny:  That was always my understanding too.  So long as you have no gaps in the coverage, you are fine.

Post # 6
Member
403 posts
Helper bee
  • Wedding: September 2010

I’m pretty sure that with most employer offered plans, pregnancy cannot be considered a pre-existing condition and it would be covered.  Talk to the benefits office at your local job and find out what the policy is.  Depending on how much your premium is, it may be worth signing up for only because it will cover more of your medical expenses than just the insurance you have now. 

The topic ‘TTC and changing insurance???’ is closed to new replies.

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