Well My Hopes Are Dashed

23 Replies
ursula - January 18

I quit working in December and my DH's insurance will not add me to his plan until 6/07. I can't get pregnant with no insurance or his company won't pick me up in June due to a pre-existing condition.... I hate this...

 

Cerendipy - January 18

What about the insurance that you get when you lose coverage...I forget what it is called...

 

Cerendipy - January 18

COBRA!!!! thats it...what about COBRA?

 

Cerendipy - January 18

I think you always have the right to COBRA insurance for a certain period of time after you are dropped from a policy...

 

Cerendipy - January 18

I pretty sure is a federal law that you have to be eligible for COBRA insurance/benefits, but I can't promise they will be affordable...

 

resaboo - January 18

Ursula, I know this is probably not something you want to do, But what about medicaid? It will atleast cover all the cost for pregnancy and delivery and 2 months after birth, that is how it is in Florida. Just a suggestion!!!!

 

resaboo - January 18

Also isn't a pregnancy a life changing event that insurance companies will consider adding a member, I know marriage, birth, and divorce is, is pregnancy.

 

resaboo - January 18

Nevermind last comment, just found out from my sister that most insurances will not add a wife for pregnancy,,,,,,,, to me that is a life changing event.

 

ursula - January 18

I don't think Cobra is cheap. I think it's rather expensive and I am not sure we can do that. with me not working. I am about to go back to school that is why I quit. This is just so fustrating!

 

Cerendipy - January 18

Yeah, Insurance companies consider pregnancy a "pre-existing condition". The birth of a child is a life changing event, and most, if not all, insurance companies will add your newborn no matter what time of year.

 

Cerendipy - January 18

Have you looked into a personal policy? I think its expensive too, but maybe worth looking into?

 

DaBonkElsMe - January 18

You can get coverage through school as a student, even if you only go part time.

 

indenial - January 18

I asked my husband's HR director if I switch to his insurance while pregnant would it be considered a pre-existing condition, and he told me by Federal Law, pregnancy cannot be considered a pre-existing condition. I'll have to ask, what law he was talking about?

 

ursula - January 18

really, Indenial??? See, I was thinking I could do a short term and pay it, but then I worried if I got pregnant before June if they would deny me because of that pregnancy....

 

indenial - January 18

HIPAA regulations of 1996. You would have to pay for your early prenatal, but Delivery would have to be picked up once you were on his insurance

 

adrianasmom - January 18

HELLO, I HAD THE SAME PROBLEM. AFTER YEAR AND HALF TRYING TO GET PREGNANT, I WAS. MY HUSBAND HAD JUST STARTED A NEW JOB. I USED THE COBRA PLAN AND IF COVERED. I HAD TO SEND IN PREMIUM EACH MONTH AND I WAS NOT AS EXPENSE AS I THOUGHT IT WAS GOING TO BE. IT WAS ACTUALLY AROUND THE SAME AMOUNT THAT WE WERE PAYING. GOOD LUCK AND CHECK INTO IT ASAP. THERE IS A DEADLINE.

 

ursula - January 18

ok, will definitely try COBRA that is my only option. Problem is I wasn't paying anything for health insurance so again not sure if we can afford it, but I'll try.

 

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