Pregnancy Info HOME

Check with your HR dept - check with his HR dept... Different insurance companies have different guidelines so there is no straight answer.

JustMe I had a similar situtation, my insurance was not kicking in until after I found out i was pregnant so i did research. I made a call (didnt give my name) to my insurance company to be and told them my situation and she told me it was against the law to consider pregnancy a preexisting condition. I didnt want to just go at that so I looked in to it myself and Found out that HiPPA makes it impossible for pregnancy to be considered a preexisting condition. =

HERE IS THE INFORMATION I FOUND OUT-----Pregnancy complicates health insurance options By Insure.com Federal law bars group health insurance plans that cover maternity from considering pregnancy a pre-existing condition. This means that if you change group health plans while you're pregnant, your new group health insurer (as long as it covers maternity) can't deny claims related to your pregnancy. But a variety of loopholes means pregnant women could still lack insurance coverage for their prenatal care if they don't do some careful planning. "(3) EXCLUSION NOT APPLICABLE TO PREGNANCY. A group health plan, and health insurance issuer offering group health insurance coverage, may not impose any pre-existing condition exclusion relating to pregnancy as a pre-existing condition." — The Health Insurance Portability and Accountability Act Under a federal law known as HIPAA, group health plans cannot consider pregnancy a pre-existing condition and cannot exclude coverage for prenatal care or your baby's delivery, regardless of your employment or health insurance history, but only if the plan already includes maternity coverage. This holds true whether you are the primary insured or a dependent. So, health plans can't deny you coverage when you go from one job to another and switch employer-sponsored group health plans. See The HIPAA law: Your rights to health insurance portability. Unfortunately, HIPAA applies mainly to group health plans. So if you move from one individual health plan to another individual health plan or from a group plan to an individual plan, you might not get pregnancy coverage at all, you might have to sit out a waiting period, or, if you are offered insurance that covers your pregnancy, you might find it's very expensive. While HIPAA is really the only protection women have against pregnancy being treated as a pre-existing condition, there are many women to whom the law doesn't apply.