Insurance question

staceykinder

So DH and I are in the process of TTC. I'm on temporary insurance this month and am looking for something permanent before I get pg. (I'm a sub and we get NO benefits). Unfortunately, from the research I've done so far it looks like most insurance plans require that you be on theirs for 18+ months before they will cover maternity/prenatal, etc. Does anyone know of an insuance plan that I can get on that will cover me if I get pg soon?

ilovebijou

I haven't heard of the 18 month rule before? I only had United Healthcare for 4 months before I got pregnant and they covered me for 3 months before we switched to DH's insurance (BCBS) because he had better hospital coverage. BCBS covered my pregnancy even though I signed up with them midway into my pregnancy.

mbgreenwalt

I was not able to find any that didn't have the 18 month wait.  I was looking for private insurance, because my policy thru work is very expensive.  I opted not to switch because we don't want to wait that long to have our second.

ElizabethD

I was very traumatized by my second pregnancy because we got pregnant and the next morning learned dh's upcoming grad school didn't have family coverage, and even worse, I was uninsurable, dh was uninsurable (with a pg wife), and my SON was uninsurable (a pg mom.)  Simply horrific....words can't even describe the hell I went through emotionally.

We ended up keeping me on DH's Cobra through work and he got on a plan for ininsurables - you should definitely look into it.  It's called MCHA and it's a high-risk pool for Minnesotan's.  Dh and my son got it on and we're so, so grateful.  I could have also got on it because i was uninsurable.  It is NOT cheap - 102-106% ABOVE private rates....and you have to figure out deductibles, etc.  But it IS insurance.

Give my agent a call.  She sells blue cross plans and told me about MCHA.  I didn't know her before and she became my angel.  Be forewarned she is a CHATTY, CHATTY woman so don't call her until you have an hour or more... ;-)  She can set you up with MCHA and is a total wizard with all insurance stuff.

Anderson Steppa Kathleen M. 2233 Hamline Ave N, Ste 103, Saint Paul MN 55113 directions ?. (651) 633-2202

amdraza

Once the health reform goes into effect (1/1/2011), plans cannot exclude preexisting condition (they consider pregnancy a condition). Furthermore maternity benefits will be provided in the individual insurance market.

https://www.whitehouse.gov/files/documents/health_reform_for_women.pdf

 

Mamatoalmost5

Just an idea....try Medical assistance through the state.  We make too much money to be on the program normally but, pregnant women almost always qualify.  The income limits are really high for pregnant women.  It's worth a shot, if you get it, they cover 100% of your prenatal and postnatal care.  You can also get it for back-up to your current insurance plan, they cover everything your insurance company doesn't cover.  It's really nice.