(Closed) TTC and just learned my insurance lapsed!

posted 5 years ago in TTC
Post # 2
Member
8463 posts
Bumble Beekeeper

HaaaveYouMetTed:  I don’t believe pregnancy is allowed to be classified as a pre-existing condition anymore so you should be good there. but I would hound my employer until that shit was fixed! if you are really worried you can buy your own insurance and then try and make your employer reimburse you for what you had to pay during the gap. I hope it works out for you!!

Post # 3
Member
18628 posts
Honey Beekeeper
  • Wedding: June 2009

Oh wow, I would really get on her about this.  What if something else were to happen while the insurance is lapsed and you are stuck with huge medical bills?  That is ridiculous!

Post # 4
Member
11535 posts
Sugar Beekeeper
  • Wedding: June 2015

I’d stay on that HR fool. Much has changed for the better due to Obamacare re pregnancy, but the republicans are still trying to repeal it so I wouldn’t take it as a given just yet.

From Nolo: http://www.nolo.com/legal-encyclopedia/health-care-reform-bans-discrimination-against-those-with-pre-existing-illnesses.html

Note on Maternity Coverage Pregnancy is generally considered to be a preexisting condition.

Before Obamacare, if you were pregnant when you joined an insurance plan that excluded coverage for preexisting conditions including pregnancy, you would not be covered for maternity costs. Other insurance plans place a waiting period on coverage for maternity insurance. For example, you often had to wait a year after joining a health plan to be eligible for maternity benefits. In January of 2014, the waiting period can be no longer than 90 days for all insurance companies.

  • This reply was modified 4 years, 10 months ago by  BalletParker. Reason: edited to add url
Post # 8
Member
18628 posts
Honey Beekeeper
  • Wedding: June 2009

According to this Pub from the IRS (as of 2014 at least), having only a 3 month gap should give you an exemption.  The law is still changing so I don’t know what next year will be like.

http://www.irs.gov/pub/irs-pdf/p5187.pdf

Post # 9
Member
11535 posts
Sugar Beekeeper
  • Wedding: June 2015

HaaaveYouMetTed:  exactly! this is a relief if you aren’t pregnant now. But who knows if this messes with your taxes. I would guess not if she says she paid the premiums, and I believe they can backdate the coverage once she pays up (something sort of like this happened to me once). But you need the answers to those questions. 

Post # 10
Member
826 posts
Busy bee
  • Wedding: June 2011

How horrible! I would definitely follow up with that, and look into your insurance policy. The one we have says you have to have your policy for at least 6 months before it will cover any pregnancy or birth expenses.

Post # 11
Member
915 posts
Busy bee
  • Wedding: October 2013

Employer plans can’t discriminate for pre-existing conditions like private can (or could; I don’t remember off the top of my head how the ACA changed all that), so they should be able to get you back on pregnant or not.  I was added to several employer plans while less than a year out from cancer surgeries and never had a problem. 

Post # 12
Member
2190 posts
Buzzing bee
  • Wedding: March 2013

sometimes they can make it retroactive too. 

Post # 13
Member
6889 posts
Busy Beekeeper
  • Wedding: June 2011

 

HaaaveYouMetTed:  I work in the health insurance field, your insurance can be cancelled for many reasons. One your employer hasn’t paid the bill.  The carrier I work for will cancel a policy if the bill isn’t paid for in a certain amount of time.  When is your insurance due for renewal? I know certain states have to meet a certain criteria for some insurance companies at their renewal, if they don’t meet. The insurance company (least mine does) has the ability to cancel them. 

Post # 15
Member
6524 posts
Bee Keeper
  • Wedding: September 2013

HaaaveYouMetTed:  i would keep following up with her bc you and everyone else need insurance. Getting pregnant is not considered a pre existing condition, so dont worry about that. but you will need the coverage bc the testing at the beginning of pregnancy is costly abd its very $$$

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