Pregnant, but my insurance might be dropped because I'm graduating, any advice?

Question

I am graduating with my Master's degree next month, and I am 9 weeks pregnant. I am currently covered by my dad's insurance plan because I am a full-time student, but I believe that I will be dropped after I graduate (my dad said he needs to do more research to find out all the facts). I am currently job searching, and although I will be able to obtain insurance through my new job, my parents said my pregnancy will be considered a "pre-existing condition" and therefore I will not be covered. I also know that I will be making too much money to qualify for Medicaid. Is it true that my dad's insurance plan can drop me and that I will not be able to obtain new insurance? Do I have any other options other than having to pay cash? Thanks!

Answer 1

Same thing happened to me. What you need to do is call your dad's employer and tell them you want to go on COBRA after you are dropped. Most employers have to have this program (it's required by the government if you have a certain number of employees), and you will pay a certain amount each month (much less than private insurance) to keep your old insurance for a while. You get the same insurance you had, and basically they just have to extend it. Mine ended up being like $410 a month and they extended it for like 18 months I think.

Answer 2

It really depends upon the policy you are on whether or not there is a pre-existing condition clause. Not all policies have that so make sure you check and if your new employer offers more than one policy to choose from, choose the one that offers the best coverage (co-insurance and deductables can get hefty!) and does NOT have that clause!!!!

But the other thing is that you will be dropped when you are out of school. Many health policies have dependant qualifications that require them to be in school and under a certain age. That isn't a big surprise, but check, too, to see if they allow you to be on it for a tad bit after.

I don't know what state you are in, but I know in Michigan, there are a TON of options. Our county offers a basic medical plan (yes..the COUNTY) for people who cannot afford insurance or can not get it through their employer...and you may be surprised at the income requirements for medicaid. I believe they are usually a little more generous than actual welfare/food stamps...AND....totally go for WIC!! That is a GREAT program for people who need the assistance and again...the income guidelines are pretty generous.....I would do all of this before a job!! :) Just tell them you graduated and became pregnant and you can't be on your parents' health policy anymore. Not that I think it would matter what your reasons are.....they go by income, really.....:)

GOOD LUCK!!! AND.....utilize ALL of your options!!!

Answer 3

I recommend contacting a health insurance broker in your area and asking for their help. They are familiar with your state laws and will be able to give you some good advice. In some states group coverage cannot deny coverage on a preexisting condition, but they can hike up the rates when the company's enrollment period comes. Also in some states if you have current insurance coverage and are about to loose it you can get coverage for your "pre-existing condition" from a new provider as long as your coverage doesn't lapse. (They might charge you an arm and a leg for it though. In Arizona they charge 4 times the amount of the regular premium.) Good Luck!

Answer 4

Title 19

Answer 5

HIPAA limits the time you can be denied coverage for a preexisting condition under your employer's health insurance plan. Under HIPAA, an employer health insurance plan can deny coverage for a preexisting condition only if the employee or dependent is diagnosed, receives care or treatment, or has care or treatment recommended in the 6 months before the enrollment date. Note: Pregnancy cannot be denied as a preexisting condition by an employer's insurer. In addition, preexisting conditions cannot be applied to newborns, adopted children under age 18 or a child under age 18 placed for adoption as long as the child become covered under the health plan within 30 days of birth, adoption or placement for adoption, and provided the child does not incur a subsequent 63-day or longer break in coverage.

Answer 6

I did billing for a Dr for six years. All entire..prenatal vists, paps, labs, ultrasounds, Dr's shipping costs, medical institution stay for both you and toddler (which will be your huge one) and your placed up partum examine. Will fee you everywhere from 10,000 to twenty,000 money with out coverage. you could eliminate a number of that by no longer having something better finished it really is no longer needed. like the epidural. it really is gong to fee you extra once you've that finished. I actually have given delivery 4 circumstances with out it, it isn't as undesirable because it form of feels. yet I talked about a midwife my very last 3 pregnancies and she or he presented on the medical institution the position an epidural became an option. She became not more less costly than a Dr. yet you would possibly want to save round. There will be one on your section it truly is. i'm shocked you're having worry getting Medicaid. with out different coverage and easily actually one of you operating. save attempting!! reliable luck!!! Amber is incorrect.. Medicaid can turn you down in case you do not meet the earnings elgibility regulations. they don't seem required to cover you because you're pregnant.

Answer 7

You will probably lose your insurance, which is extremely unfortunate. The only options I can think of for you is to either get the maternity card and pay a discounted price for prenantal care out of pocket, or do not take that full time job right away so you can get on state insurance.
Call your department of Human Services. In my state I was able to get free health care since I was only marginally employed, but once I began working full time they kept me on it because they didn't want to kick a pregnant woman off it when no onle else would insure me.

Answer 8

i believe that you will still qualify for medicaid i believe that they cover all pregnant women i have insurance through my husband and medicaid. i would look more into it if i were you.

Answer 9

Sign up for some more classes girlfriend, delay the graduation...