Even if I'm 6 months pregnant would the insurance co. accept me and take care of the rest of the pre-natal care and delivery?? Then after all is done that can I pull out??
2007-02-23 00:53:45 · 10 answers · asked by Anonymous in Business & Finance ➔ Insurance
Don't listen to any of them...
If you husband has group health insurance, through his employer... You can most likely be added. Most policies have a list of qualifying events that allow the subscriber to add dependents in the event of a "life status change" . There may be a short time period they will allow you to enroll, so call them immediately. Examples of life status change are, marriage, divorce, newborn or adopted child, and spouses loss of benefits... I've only seen one plan in the last 10 years that didn't allow this circumstance to be covered. You will also be eligible for COBRA through your employer. Its expensive, but may be worth it if you're unable to get on his insurance.
As for your pregnancy, there's a federal law that states maternity can not be considered a pre-existing condition. If the policy covers maternity, you'll be fine.
2007-02-23 12:24:42 · answer #1 · answered by Custo 4 · 1⤊ 0⤋
You could be entitled to COBRA benefits if you were covered under a health plan at your previous employment. Check with your previous employer or your previous group health insurer. Your husband's policy might not insure you at this time since you'd have to complete an "evidence of insurability" showing that you don't have a previous health condition--i.e. pregnancy. Your child could very possibly be covered under your husband's health plan from birth. Contact your husband's employer's group insurance administrator to find out.
2007-02-23 12:24:02 · answer #2 · answered by Yo' Mama 4 · 0⤊ 0⤋
If you haven't had any lapse in coverage, then losing your job would probably qualify as a life event that would let your husband add you to his insurance. He'll have to check with his HR department to verify that.
If you HAVE had a lapse in coverage, the pregnancy will be considered preexisting, most likely, and not be covered.
He won't be able to drop you again until the NEXT open enrollment period.
2007-02-23 04:13:11 · answer #3 · answered by Anonymous 7 · 2⤊ 0⤋
You can be added but the policy likely has a pre-existing condition clause so chances are, the pregnancy would not be covered. There may be some exceptions but you'll need to check with his HR department.
Why would you want to be added and then drop the coverage in 3 months. Seems to me you and the child would both want to have medical coverage after the baby is born.
2007-02-23 02:11:09 · answer #4 · answered by Faye H 6 · 0⤊ 2⤋
What a hard time to lose a job... i hope they didn't find an excuse because you are pregnant... if anything they should be able to understand more. but anyways... from my understanding if you are married you are more than likely able to jump on your husbands plan since pregnancy is not considered a "pre existing condition" Either way..... im not really for this but in situations like this... your state will always provide for pregnant women.
2007-02-23 01:17:04 · answer #5 · answered by Anonymous · 2⤊ 0⤋
Regardless of the above posts YES !
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2007-02-23 13:10:45 · answer #6 · answered by bobby flay 1 · 0⤊ 0⤋
There are exceptions to the "open enrollment" rule. One of those is loss of prior coverage. If you were covered by your employer's group plan, you will receive a "HIPAA" letter. Your husband should add you to his insurance, but will have to provide his HR department with a copy of the letter to show proof of prior coverage.
2007-02-23 01:35:03 · answer #7 · answered by Insurance Biz CT 5 · 2⤊ 0⤋
OK..... why would you ask us? Every insurance contract is different. Call the insurance company &/or the HR department.
Also: Do you know about COBRA? Are you still elligible under COBRA? Call your former employer (or health insurer).
If the answer is yes (for both)..... pick the best road for you!
2007-02-23 00:59:39 · answer #8 · answered by Common Sense 7 · 2⤊ 1⤋
most company insurances limit joining or leaving to an "open season" once a year. If you are otherwise qualified I dont think they can reject you.
2007-02-23 00:58:20 · answer #9 · answered by David B 6 · 3⤊ 0⤋
Yes you can be added to your husbands.
2007-02-23 00:57:16 · answer #10 · answered by david r 2 · 0⤊ 1⤋