I just found out today that I am pregnant. Also today I found out that I got a new job that I had applied for. I currently work at Wal-Mart and was planning on staying there part time. I have ok insurance through my current job, but the job I will be starting has better coverage. I was planning on swiching insurances when I start the new job but will the pregnancy be considered pre-exesting? I could keep the insurance through wal-mart, but being pregnant I don't know how long I'll be able to hold down 2 jobs. Any suggestions?? Serious answers only please.
2006-08-23 16:17:08 · 10 answers · asked by Anonymous in Pregnancy & Parenting ➔ Other - Pregnancy & Parenting
look wal mart sucks ok...they drop their pregnant workers like hot cakes. Wal Mart will find a reason to fire you. Go ahead and stop working at Wal Mart. Try and get on the new insurance....also apply for Medicaid...pregnancy is VERY expensive...even with insurance
2006-08-23 16:31:16 · answer #1 · answered by cookies_n_cream0218 5 · 0⤊ 0⤋
Pregnancy can NOT legally be considered a pre-existing condition. This is a federal law--not state, so it applies to everyone in the U.S.
As for your dilemma with your new job...please keep in mind that when your baby is born, you won't have been at your new job for one year yet, so you will not qualify for FMLA, and won't be able to take a full 12 weeks off and have your employer hold your job for you. This happened with me. I became pregnant with my first son two weeks after starting a new job, and they were gracious enough to allow me 8 weeks and still hold my job for me. They even gave me the standard company maternity leave policy of 4 weeks paid. The rest of the time I took off was unpaid. If you're not planning on going back to your job after your baby is born, this wouldn't really matter.
You also need to keep in mind if you switch insurances when you start your new job, most employers have a waiting period before coverage begins (usually anywhere from 30 to 90 days), so you will be uninsured for a while, and won't be able to go to ob/gyn visits unless you pay for them out-of-pocket.
If I were you, I'd definitely tell your new employer that you're pregnant. If you show up for work and three or four months down the road when you start showing, they find out, they might be very upset and fire you (if they're petty enough to do such a thing). Many employers these days are "at-will" employers, meaning they can fire you and not have to give you a reason. Even if you can prove that they fired you 100% beyond a shadow of a doubt because you're pregnant, there's nothing you can do because you signed your company paperwork stating you realize they're an at-will employer.
http://health.msn.com/pregnancykids/articlepage.aspx?cp-documentid=100123970
Also, you might want to make sure this new insurance covers pregnancy. Some employers opt not to take the extra coverage, so even though the insurance may be great, if they don't offer maternity coverage, you're scr*wed.
2006-08-24 03:05:10 · answer #2 · answered by brevejunkie 7 · 0⤊ 0⤋
Usually as long as you have had coverage for the previous 3 months the new insurance company will cover everything.
2006-08-23 16:21:05 · answer #3 · answered by Ryan's mom 7 · 0⤊ 0⤋
each and every coverage agency has distinctive policies. the suitable ingredient you're able to do is call the coverage agency and be certain they recieved the documentation you sent. determine you write down the call of the guy you communicate with. Ask your well being practitioner's workplace to provide you a letter documenting the date the shown the being pregnant - basically in case the coverage agency comes back some months from now wanting extra information. you are going to be advantageous, yet determine you have the dates documented now, jointly as you nonetheless bear in ideas whilst each and every thing befell!
2016-09-29 22:15:11 · answer #4 · answered by ? 4 · 0⤊ 0⤋
it wouldn't be pre-existing because you just found out. but if you can try to work both so you can save up but you can keep both insurance the full time will take care of most of the bill and the other can take care of the rest. then you will be bill free
2006-08-27 15:30:56 · answer #5 · answered by tluv671_2004 1 · 0⤊ 0⤋
Many insurances do consider pregnancy a pre-existing condition, but if you get pregnancy medicad, you will not have to worry about it; and congratulations!
2006-08-23 16:31:11 · answer #6 · answered by jazzylipp 2 · 0⤊ 0⤋
pregnancy used to be considered a pre-existing condison,....now it is not,no insurance company can tell you that pregnancy is pre-existing,its against the law.and if are told it is well u are being lied to and u can fight it and will win
2006-08-23 17:00:48 · answer #7 · answered by lovedove662000 3 · 0⤊ 0⤋
stick with whatever job you can get maternaty leave with.one might be beter than the other.
2006-08-23 16:24:20 · answer #8 · answered by jcruz0022 1 · 0⤊ 0⤋
medicaid quit one job if your planning on and get on medicaid
2006-08-23 16:22:05 · answer #9 · answered by Moo moo I'm a chicken 4 · 0⤊ 1⤋
ask your new employer to be sure.
2006-08-23 16:22:39 · answer #10 · answered by noitall 3 · 0⤊ 0⤋