Open enrollment insurance question?

Question

I am getting married in Nov. to a police detective and his open enrollment for adding me to his policies is in Jan. However we just found out I am 6 weeks pregnant, my questions are these....is there any other way to be added before then to his insurance? And if not I have no problem doing the Texas pregnancy medicaid thing but does that count against him, like in taking money from his checks, to reimburse the govt? And since I will be like 6 and a half months in Jan. is it possible they would deny adding me to his insurance calling pregnancy a pre exsisting condition? I mention he is a cop because in my mind maybe they are less strict on the guidelines and more apt to help since he is a public servant so to speak, but then this is a huge insurance conglomerate and the govt. we are talking about....any viable responses greatly appreciated.

Answer 1

How about calling the Insurance Company he uses and asking them?

I have a public servent for a spouse as well but I wasn't  ever in your shoes. I would call whomever it is that the Dept. uses for their coverage and consult with them.

Answer 2

Congratulations!

Getting married is a "qualified event," so your husband can add you to his  group insurance effective on the first day of the month after the wedding. Start the paperwork sooner though. I think Texas is a common law state, and if it is, you can declare your selves married with a simple form he can get from his HR manager, and get on his insurance now.  

Federal law mandates that pregnancy cannot be a pre-existing condition, however insurance companies can impose waiting periods for maternity coverage. Here you're gonna have to check with his insurance company.

Below is a link to the text of the laws.

Don

http://mtnhealthinsurance.com  

Answer 3

Once you get married, THAT is a qualifying event, to add you on before open enrollment.   You could go ahead and get married next week, if you want to.  

They can't consider your pregnancy a pre-existing condition.  But, his plan might not have maternity benefits on it.  

Answer 4

Most companys MUST allow you to be added, effective date of marriage which is called "change of status".

Same as with a newborn. They are added to a policy effective date of birth.

Push for your addition as of date of marriage!

Answer 5

I don't think you can be added before you are married....however, you should be able to be added in November once you are married. I believe major life changes (marriage, divorce, birth of a child, adoption, etc.) allow you to do so outside of open enrollment. Have him talk to his HR department.

I also don't think that pregnancy is considered a pre-existing condition so you shouldn't be denied. Again, ask the HR dept. or call the insurance company for more information.

Congrats!