Health Insurance Coverage question?

Question

If you are married and on your husbands insurance policy and youve been seperated for a while ( seperated because he cheated multiple times) and you become pregnant by your boyfriend, does the husband's insurance policy cover your prenatal care?? I am still his dependent and in my state you are unable to get a divorce while pregnant so it cant happen until after the baby is born (then they make you do an DNA test) But our policy is paid every month and I am still able to use it because we are married, ive been using it for dental and I had to have a routine check-up before I had been pregnant...so his policy should still cover me because I am his dependent correct? I understand the policy will no longer cover me after the divorce though.

Answer 1

The additional details are not relevant.  You're pregnant and you're covered by insurance that covers maternity.  There is no other detail needed.  The insurance company doesn't drop you or not cover you because somebody else is the father...that makes no difference.

Even after divorce you'll have the option to continue under COBRA.

Answer 2

You are not his dependent. You are his spouse. If you are "legally" separated, you may not meet the definition of Spouse under Title 26 of the IRS code.

See:

Title 26 > Subtitle F > Chapter 79 > (a) (2)

§ 7703 Determination of marital status

Then again, maybe the state or even the insurance company uses a different definition of spouse. If you can lay your hands on the terms of the policy, thats where I would check.

However, unless your husband requests a change in his insurance because of a "qualifying event" you should continue to have coverage.

Don

http://mtnhealthinsurance.com

Answer 3

Hmmm..good question..I'm not an attorney and I bet if the insurance company finds out that the insured party is not the father, you will not be covered.

Answer 4

Good god.

Answer 5

Yes, the insurance would cover you, and your prenatal/birth care.

Most states don't recognize "seperation".  Either you are married, or you aren't.  Also, no state that I know of, will let a pregnant woman get divorced until the baby is born.

So, you're married.  Coverage applies.