We may be moving soon and that means a job switch. We are also wanting to try for kid number 2. If we switch health insurance 1/2 way through the pregnancy, it is considered "preexisting" and hence, not covered? I know that it may depend on the company we'd be switching to, but I'm just asking in general.
2006-08-27 11:06:35 · 12 answers · asked by happymommy 4 in Pregnancy & Parenting ➔ Pregnancy
General speaking, pre-existing conditions refer to long term medical conditions such as diabetes, chronic back pain,etc. Pregnancy is a transitional condition and often covered by new insurance, depending on the insurance company. You have to start over with deductible and such however.
2006-08-27 11:19:21 · answer #1 · answered by Pundit Bandit 5 · 0⤊ 0⤋
YES---in my past experience, insurance companies for the most part definitely consider pregnancy a pre-existing condition and do not cover it. Prenatal care, postnatal care, and labor and delivery costs thousands of dollars. Insurance companies shy away from having to pay for that. If you have to switch, I wish you luck and hope that you get an awesome benefit package in which the insurance coverage is open. Otherwise, have you looked into cobra? That might enable you to keep your existing insurance coverage until the pregnancy care is finished, although you would have to pay more. Could be worth it though.
2006-08-27 11:17:28 · answer #2 · answered by Tina Q 1 · 0⤊ 0⤋
It is considered a pre-existing condition but many insurance companies through work, pay for the pregnancy anyway but I'd definitely call and ask to make sure.. Good Luck!
2006-08-27 15:40:32 · answer #3 · answered by Faith W 1 · 0⤊ 0⤋
I switched insurance companies when I was 8 months preg and they covered me at 90% with no deductible. But I would definitely check it out as I am sue each ins is different.
2006-08-27 11:25:34 · answer #4 · answered by Bird79 2 · 0⤊ 0⤋
in general there arent a lot of insurances that will let you switch while you are pregnant. However, blue cross and blue shield let me switch and I was like 6 months pregnant. So it does depend. But if you cant get insurance while you are pregnant you can get medicaid and if you make to much there is a program called FAMIS that will pay for your pregnancy, that was what I was under before. we made to much for medicaid but FAMIS is specifically for pregnant moms without insurance that make to much for medicaid. Hope it all works out for you!
2006-08-27 11:18:07 · answer #5 · answered by ? 4 · 0⤊ 0⤋
Don't think so, but your best bet is to call the insurance company you may be switching to & ask!
Good luck with your little one!
2006-08-27 11:11:32 · answer #6 · answered by mamitasaritabendita 2 · 0⤊ 0⤋
I genuinely switched insurance businesses mid-coverage earlier than and that i didnt obtain any penalties...If anybody is providing a greater deal, a better safety fee in your automobile...Dont persist with the old...Go together with the new!
2016-08-09 12:48:00 · answer #7 · answered by calles 4 · 0⤊ 0⤋
Most times yes it is considered pre-existing
2006-08-27 11:13:13 · answer #8 · answered by Stacie S 2 · 0⤊ 0⤋
i myself switched coverage companies mid-coverage until now and that i didnt receive any effects...if somebody is offering a extra useful deal, a extra useful secure practices value on your vehicle...dont carry on with the previous...circulate with the hot!
2016-09-30 01:39:00 · answer #9 · answered by ? 4 · 0⤊ 0⤋
yes
2006-08-27 11:11:45 · answer #10 · answered by rcsanandreas 5 · 0⤊ 0⤋