Pregnancy and Healthcare????? I have health insurance under my parents until Jul 21. My baby is due July 15th.

Question

I just started a new job on Monday, and my benefits dont kick in until May 1st. The problem is my benefits wont cover my pregnancy, cause it wil be a pre-existing condition and I wont have any health insurance to cover my pregnancy. I applied for Medicaid today, and was told...I make too much money (23k) and couldnt receive benefits. What other options do i have than just paying for the pregnancy (delivering charges out of pocket)

i am sorry. i am covered until June 21

My parents Insurance is Tricare (military)

Answer 1

under HIPAA, your pregnancy under law federal law cannot be considered a pre-existing condition (if you have prior coverage under a group plan, even if it was your parents), so if your plan has maternity benefits, they cannot deny you. your going to have to go to bat with them on this, even threaten. you have to give the a "certificate of credible coverage" from your parents group inurance coverage,that shows you were covered under your parents plan, and that there was no more than a 60 day (even less is better) gap in coverage. tell them you know that it cannot be excluded under HIPAA law.

this is what the military says about it


In July of this year my daughter reaches the "age 23/full time college student" TRICARE ineligibility point. What are the rules and time limits under the Health Insurance Portability and Accountability Act (HIPAA) for her to enroll in a non-TRICARE plan so that any pre-existing medical conditions will be covered from the time of enrollment?

When a person loses health care coverage and then enrolls in another health care plan, or COBRA, as long as the beneficiary has not had a break in coverage of more than 63 days, he/she is considered to have continuous coverage.

this is the link (its towards the end of the page)

http://www.tricare.mil/faqs/question.aspx?ID=1175&page=0&search=&ddlCategory=26&ddlProgram=-1&ddlSort=DATE&click=ibGo2.X

This is the link you need to get a certificate of credible coverage from tricare, to show your employer. (Make sure there is no gap, or its overlapping, in coverage)

http://www.tricare.mil/Factsheets/viewfactsheet.cfm?id=247

Answer 2

I don't know about where you live but in MS we have a law that says if a pregnant women does not have insurance then Medicaid HAS to cover you no matter what you make. Go try to file for Medicaid the day your coverage stops and then if you have a doctors appointment during your waiting period you can always go back and file claims that are up to 3 months old.

Answer 3

I know of a great company that will cover pre-existing conditions. It is actually discount health benefits rather than insurance, and very reasonable in price.Maybe it will work for you

Answer 4

I wouldn't advise it, but you can see about having a cesarean scheduled on your due date, before your parents insurance runs out. I don't know about the particulars, but I know it can be done as an option. I would advise you talk to your current doctors about options. They'll know best. I would think your dates are safe to leave it to mother nature.

Answer 5

if your covered under your parents until july 21st, then you are covered.