Pregnancy and Insurance

[ashmill]

My husband is suppose to be getting insurance the beginnin of march....what if i am pregnant or will be gettin pregnant before then....would it be bad to wait until he gets the insurance before i go to the doctor for the first time to make sure that his insurance will cover it?

[Trentonsmom]

Remember, it isn't alwasy the Insurance company that decide, in some cases it is the company that carries the insurance. It is never too early to ask questions about the policy that he will be getting. My husband works for UPS and I was 2 months pregnant before I was added to his insurance and it was fully covered.

[jen2006]

Depending where you are.. but most insurance companies no longer consider pregnancy a pre-existing condition - because companies changes policies so often, etc. Twice I got new insurance mid-pregnancy, no problems either time.

[Peachyt]

I totally would not wait if you become pregnant, prenatal care is very important during the first trimester.  I agree with the previous poster, you should apply for Medi-Cal which is state granted.  That way you can be sure you are covered if you get pregnant.

[ctsmom]

hi, well my dr wouldnt see me till i was 10 weeks preggo, so depending on when you conceived, your first appt wouldnt be till march, BUT if something were to be alittle off or problems with the prenancy you'd want to be seen before that,

[lucylocket2]

WAIT! I know with mine they wouldn't cover it if you get pg. before. If something happens and you get pg. wait till the insurance kicks in. Good luck!

[malqahtani]

Most medical insurances have a maternity rider, that states it doesn't cover the cost associated with pregnancy or deliver for the first 10 months of the policy.  However, if your husband is getting insurance through work, tell him to check with Human Resources to see if it's True Group insurance, it can be any carrier/provider, but True Group insurance covers pregnancy, even if you are 6 months pregnant when you get added to the policy.  If it's true group then you are safe, otherwise you need to check in with medicaid if you are pregnant.  If not I would suggest waiting.  Good luck.

[peekawho]

If you are not pregnant now, WAIT until you have insurance in place and you are SURE you are covered before conceiving. Insurances differ as to pre-existing conditions.  

WAIT.  Use birth control if you are not pregnant now.  You will possibly save yourself a ton of money, aggravation, worry, and heartbreak by being responsible enough to wait a little longer.

[jd1419]

With my insurance it would have been considered a pre existing condition and would not be covered.  so if you are not pg wait a little while before so--then you will know for sure you are covered.  Also, if you are also working and will be taking time off from your job and they have no benefits for maternity leave check into getting a short term disabilty policy through AFLAC--they paid me for six weeks of maternity leave--for my job has no pay plan for that.

[orphanannie59]

Do you live in the US?  If so, your state should have some kind of medicaid assistance for pregnant women.  If you get pregnant before you get insurance, call your local public assistance office and check on the programs in your state, or check on-line.  You should also be able to keep it when your husband gets insurance, and the baby will be covered for a year or so after it arrives.  Good luck!

[Jbutler021680]

If you ARE pregnant, I personally wouldn't wait, but that's a personal choice obviously. If you AREN'T pregnant, I'd suggest you wait till your insurance becomes effective so you can see a dr and have a super healthy pregnancy. Best of Luck!!!