Will my fiances health insurance pay for my medical care during pregnancy after we get married?

Question

I am 4 weeks pregnant I am marrying my finace on June 30th. He works for Jewel-Osco and has pretty good health insurance. Is the insurance company going to pay all the expenses during my pregnancy after we get married or not?

Also I am not a US citizen (yet) and therefore do not have a SSN .. will that be a problem with insurance company??

Answer 1

It all depends.

Your best bet to figuring out your coverage is to get your fiance/husband to call his health insurance provider and ask them. There should be an 800 number you can call to confirm what coverage there is.

You will also need to verify if the "change in status" (in this case, marriage) will make the insurance coverage instantaneous. Some insurances will make you do a waiting period before you are insured. I'm reasonably sure that marriage is an instant coverage case. Your fiance/husband has probably already served his waiting period time before he was covered.

I don't think pregnancy technically qualifies as a "pre-existing" condition which is something insurers will use to deny coverage. But I'm not an insurance expert.

Lastly, I don't think that the insurance will pay for anything that you have already paid for in regards to your pregnancy or general health. Only when coverage starts (on or after June 30th).

In light of all that, CONGRATULATIONS on your pending nuptials!

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In regards to your update about your citizenship, I do not think that not having a SSN will be much of a problem. I think with your married status that it would cover you. They may require you to get some form of government ID though. I, again, stress the need to talk to the insurance company to verify all of this.

Also, CVS just purchased Jewel-Osco-Savon so that may have some bearing on what happens to the insurance plan.

Answer 2

After you get married, if your husband 's plan is like most, you will have 30 days to be added to the plan no questions asked.

If you miss this 30 day period you might have to get a physical to be judged eligible for the health care plan.

Congrats on your marriage and pregnancy. Don't forget to turn in the paperwork for the insurance.

Answer 3

once you get married, your husband should be able to add you to his health plan immediately with no health questions (HIPAA). If you had no prior coverage, the insurer may impose up to a six month exclusion (waiting period) for pre-existing conditions (your pregnancy). Expenses you incur after the six months must be covered even for a pre-existing condition. Your delivery expenses should be covered based on the facts you give.

read your husband's benefits booklet (insurance certificate) and have him ask his benefits manager if the booklet is unclear.

good luck and congratulations.

Answer 4

You will have to ask them to find out for sure - some companies will exclude pre-existing conditions if they weren't insured before (and a pregnancy is considered pre-existing). Others will cover it, especially if he's part of a large group policy.

Regardless, you'll have to contact them to find out which expenses are covered, and if you will have any co-payments or deductibles.

Answer 5

All you have to do is call the insurance company to find out whether they have a preexisting clause. There should be a customer service phone number on his card.

Answer 6

it may not. he needs to ask his group benifits manager at work. but usually it will not. sorry. if you do not have med. coverage their are some good programs out there. pick a hospital and see what they can offer. some give a payment plan. natural birth is cheeper than c section.

Answer 7

Why do you not ask the the insurance copany through you bethrothed?

Answer 8

I strongly urge you to call them, not us.