Pregnant needing answers on insurance?

Question

I just found out i was pregnant today when i missed my period and took two positive tests now i'm worried about my health insurance covering everything. I started working at this place almost three months ago so i won't get health insurance just yet i have to fill out the paperwork and it will take effect on october 1st. Now i'm concerned the insurance won't cover me even though i've been working at this place before i got pregnant. Should i apply for medicaid or something i don't make a huge amount of money between me and my husband (under like 25000 maybe) i'm really nervous anyone else have this problem before.

Answer 1

WOO HOO  Congratulations!  Let me put your fears at rest--pregnancy is never EVER a pre-existing condition, and if you've only missed one period, you're what, a month along? Relax and enjoy your pregnancy. Your insurance will cover your pregnancy.

However, if you did not have coverage prior to this position, you will be required to do a pre-x investigation. While they can't deny claims related to the pregnancy, they can deny claims for other issues. Be prepared-you'll need to show information on any uninsured claims that were incurred six months prior to 1) your date of hire, or 2) your date of eligibility. (It depends on the type of plan)  This means, all doctors names, addresses, phone numbers, and pharmacies. Be proactive and ask your doctor for a print out showing your dates of service and diagnosis codes, and do the same for the pharmacy.

If you did have insurance up to the date of hire, check with your plan to see if the date is date of hire or date of eligibility. Since it's been more than 63 days, you won't be allowed to use any of your creditable coverage. (Assuming you did not have any insurance during this 3 months period)

Answer 2

As long as your employer's policy covers maternity, federal guidelines prohibit them from excluding coverage due to pre-existing.  Maternity can not be considered pre-existing due to this federal guideline.  It is not dependent on the state or dependent upon your plan.  Federal guideline supercede all state laws.  If the plan covers maternity, you will have coverage when the plan goes into effect.

Answer 3

WEll, you could apply for medicaid, but the group policy should cover the pregnancy, IF they offer maternity coverage.

Answer 4

I'm glad the first answerer put your mind it ease because they're wrong!  It depends on the plan and it depends on where you live.

Talk to the human resources department.  It may be covered, but nobody here knows.