Ok, so we recently found out that my fiancee is pregnant. We are getting married in two months now. She is currently on her mother's insurance, which DOES cover pregnancy. When we get married and purchase our own insurance policy, will there be hardly any hassle having the new insurance cover her? I know that through HIPAA that pregnancy cannot be claimed as a pre-existing condition as long as the person has insurance that currently covers the pregnancy. I'm just afraid there will be some fine print clause that the insurance co. will try to pull. Anyone have information/life story to help me out?
2007-05-26 13:35:34 · 5 answers · asked by Sean06 2 in Business & Finance ➔ Insurance
If I have an individual insurance plan (NOT through employer) will this allow her to be added to my plan after the wedding?
2007-05-26 16:17:19 · update #1
Because you and your fiance are currently pregnant, you and her will not be able to obtain a new "individual/family" policy.
However, if your fiance is currently a dependent under her mothers policy she will be able to contiune these benefits through COBRA (as long as the employer has over 20 employees). The reason for this is the clause that talks about transitioning from a dependent status to non-dependent status. Once she is your wife, she is no longer your mothers dependent - this qualifys her to continue her benefits for up to 36 months - plenty of time to deliver the baby.
Once the baby is delivered - you, your wife and child will need to get a policy.
http://www.dol.gov/ebsa/faqs/faq_consumer_cobra.html
2007-05-27 03:47:37 · answer #1 · answered by Rick 3 · 0⤊ 0⤋
do neither of you have a job that offers pregnancy coverage? the problems could be that her current doctor may not be covered under a new insurance plan. if you go with an independent insurance agency the monthly premiums will be much more expensive than what it is now thru an employer.
2007-05-26 13:44:43 · answer #2 · answered by somebody's a mom!! 7 · 0⤊ 1⤋
Well, YES. Unless you're adding her to your policy through work, you're going to have a really, really, really hard time finding an insurance company willing to cover the pregnancy.
When you go for an individual policy, they get to underwrite you BRAND NEW. The HIPAA is really for when you move from one employer's plan to the next - if you're going for an individual policy, they don't HAVE to take you - and they WILL decline for a preexisting pregnancy.
2007-05-26 13:57:55 · answer #3 · answered by Anonymous 7 · 0⤊ 1⤋
i think no one offers pregnancy coverage
2007-05-26 18:59:04 · answer #4 · answered by Anonymous · 0⤊ 1⤋
hi check this link its good
http://insuranceadviceforyou.blogspot.com/
.
2007-05-27 22:09:40 · answer #5 · answered by Anonymous · 0⤊ 0⤋