I am currently 5 months pregnant and was let go from my job in June and I was supposed to get on insurance there but was let go. I have been paying out of pocket so far. My husband has been at his job for 2 and a half years and he will be able to enroll for insurance October 1st. Will they cover the rest of my pregnancy? Where I worked last year said that it was Indiana state law that insurance can not count pregnancy as pre-existing condition. Is this true will they cover me? I am freaking out right now. I believe his insurance is Blue cross and Blue Shield......
2006-08-27 15:59:40 · 12 answers · asked by kenneth s 1 in Pregnancy & Parenting ➔ Pregnancy
He really needs to talk to his HR department to get the details of the plan. The law (federal) says that if they have more than 15 people on the group insurance they have to provide maternity coverage, and pregnancy can't be considered a pre-existing condition. All laws have loopholes, though, so the only way to put your fears to rest is to get the details from HR.
2006-08-27 16:13:02 · answer #1 · answered by EQ 6 · 0⤊ 0⤋
I’ve included a link to a page on the Indiana Department of Insurance site which explains that pregnancy cannot be considered a pre-existing condition when enrolling in a group health plan. However, you might be subject to a general waiting period before coverage begins. The other answerers are right that the first step is to go through human resources and then BCBS directly if that fails. But you should not forego pregnancy care; I’ve included a link to free clinics that might be able to help you for free or at a reduced price.
If you need a less expensive delivery option, you might consider using a birthing center (link below along with a link to an article on Birth Centers). Also, Indiana might have a women’s health insurance program, and you can get free formula and other assistance through WIC (link below).
If you are ever interested in personal health insurance, try MostChoice.com. It’s a site that delivers free instant quotes and access to local health insurance specialists without any obligation. You can find it here: http://www.mostchoice.com/health-insurance.cfm
Congratulations on your pregnancy!
Barnes@MostChoice
2006-08-31 15:40:54 · answer #2 · answered by Anonymous · 0⤊ 0⤋
Yeah, it definitely should. I just went through the same thing because my husband switched jobs halfway through my pregnancy. The insurance people told me that as long as you are getting insurance through work (i.e., not paying for it yourself, like if you're self-employed), then most pre-existing conditions don't matter anyway. So, that means that his insurance should have to cover whatever you come with. Also, like you mentioned, there are state laws that don't allow insurance companies to treat pregnancy as a pre-exisiting condition anyway. So, you're basically covered either way. Check with them to make sure. They should answer your question. My husband also has BCBS, and I had no issues. In fact, they were very helpful and allowed me to see a doctor before we even received our new ID cards. Sorry so long, but hope I helped you!
2006-08-27 23:09:14 · answer #3 · answered by SAHMommy 3 · 0⤊ 0⤋
If the law says they can't refuse to pay because its a pre-existing condition I'd think it will cover your pregnancy-related expenses and the delivery, but if its the same as the BCBS I had at the time it won't cover any care your baby gets. (I had a health premie who had to stay in the hospital for a couple of weeks, but they wouldn't cover that because he was healthy and not sick.) OF course, you need to factor in any deductibles there could be.
Any chance Indiana has some kind of state-subsidized insurance that you'be be eligible for as a back up just in case?
2006-08-27 23:14:10 · answer #4 · answered by WhiteLilac1 6 · 0⤊ 0⤋
If the insurance doesnt cover it, give me a call or send me an email. There is a health/medical plan that accepts all on-going conditions. It wont cover 100%, but will save you SIGNIFICANT money and is better than nothing. Its also VERY affordable and there are no waiting periods or limits on visits or services. Congrats!
Rachele Burke
541-409-7243
email and IM: starsalso@yahoo.com
www.freewebs.com/starsalso/
2006-08-27 23:05:09 · answer #5 · answered by Anonymous · 0⤊ 0⤋
It really does depend on the insurance, some do say that's a pre existing thing so they don't cover it, some do cover it, call blue cross blue shield and find out, I'd go down and apply for medicaid which will cover everything no matter what.....God bless
2006-08-27 23:06:37 · answer #6 · answered by Nita and Michael 7 · 0⤊ 1⤋
Look at other options just in case. Medicaid.
It's not glamorous but you have a baby to think about so it's worth having everything covered. Can't tell you if they will cover you. That is something he should ask so you are prepared.
Medicaid will also cover your child till he/she is 18.
I am 7 months pregnant and I signed up for it. They cover pretty much everything but that is because I have no job {just moved and of course no one will hire me, sucks but I don't blame them} and the father is not in our lives so you may have some payments at doctor appointments simply because there is an income.
Good luck and congratulations!!!
2006-08-27 23:12:17 · answer #7 · answered by ali_kat83 1 · 0⤊ 0⤋
He needs to contact his insurance and he should have had you on the plan when he started the job...more coverage less money out of your pocket.
2006-08-27 23:06:48 · answer #8 · answered by Coast2CoastChat.com 5 · 0⤊ 0⤋
in ohio i know that you have to have continous insurance (like cobra) in between jobs or the new company may not cover it... my cousin had to pay 600-700 for one month in between his old employer and when the new employers insurance kicked in
2006-08-27 23:07:25 · answer #9 · answered by mixershaun 3 · 0⤊ 0⤋
Read Your Benefit Summary - it's the only way to know for sure.
2006-08-29 15:38:00 · answer #10 · answered by SwampDog 2 · 0⤊ 0⤋