Employer changing health insurance plans...I'm pregnant!?

Question

My employer is looking into changing the group health insurance coverage in February. I am due with my child in May. What does this mean for me? Do I loose coverage if they choose an insurance plan that has an OUTRAGOUS maternity cost? What happens if the cost doubles or triples? I don't qualify for medicaid (income restrictions) and can't afford much more than what I'm currently paying for health insurance. How do these things normally work?

Answer 1

Quite simply, when changing insurance pre existing conditions (whatever they are) HAVE to be covered.

Your copays may change, but you will be covered.

Answer 2

Well it's really up to your employer what the cost to you is.
Hopefully they will keep things in line with what they have now.
If your employer has any sense they will. Otherwise they will loose a lot of employee in 08.
Best thing to do is sit it out, don't worry about what you don't know and if the insurance gets outrageously expensive, get another job.
Hope this pans out well for you.

Answer 3

Take it easy, lot of times the new insurance company has to cover the maternity if you are already pregnant, which I dont think falls under pre-existing conditions, as you were insured when you got pregnant. Anyway check with your employer before they make any changes.

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Answer 4

Ya know, most likely there won't be a significant difference. If there is, see if you can get coverage under your state children's health insurance plan - they have VERY lenient income guidelines for pregnant women.

Meanwhile, calm down and take it easy. You can't change it, and you don't know if you have to do something about it yet. And stress is bad for the baby.

Answer 5

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Answer 6

The law will protect you. For group policies, the insurance company cannot use a preexisting condition clause. Your insurance will cover it, but the amount will depend on the plan.

Answer 7

These are questions you need to be asking your employer -- now, not later. It's not unreasonable for you to want to know and there is no good reason for your employer to not answer your questions.