Health Insurance and Pregnancy....leaving parents coverage?

Question

Ok so here is the deal, I am pregnant (3 months) and I am 24. I am currently covered under my moms health insurance, she works for the hospital and it's great coverage. The problem is, I just found out the insurance ends when I am 25. I turn 25 August 4th, and the baby is due August 27th. My question is...I have no problem buying my own health insurance, which I was going to do anyways...(this pregnancy was a bit unexpected) but will I get insured if I wont be using it for another 6 months? How will this work? (I am a total insurance dummy!)

Answer 1

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Answer 2

This varies GREATLY from state to state. You need to contact the company direct. In NY you probably have coverage until the last day of the year in which you turned 25. In that case you might be home free all. Your also probably eligible for COBRA due to your "loss of benefits" and that will give you 18 more months of the same exact coverage, but of course you have to pay the monthly premium for it. Good luck with the baby!!!!