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maternity/pregnancy insurance question

RedRobin81RedRobin81 member
in Trying to Get Pregnant

Good evening ladies :)

So, the way I understand it from all the questions I've seen here, most insurance covers you only after a year of being on the plan.  I'm planning (hoping!) to switch jobs soon, and I wonder if that same "rule" applies if I were to switch to DH's insurance?  He's been with his company for well over a year if that helps.  Any thoughts or insight you all have would be great!  Thanks and here's a Drinks for stopping by ;)

 

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Re: maternity/pregnancy insurance question

  • jchanthjchanth member
    I'm not sure about all insurance companies, but when i switched to my H's insurance, i was completely covered for everything he is covered for. HTH!
    Married: 9.21.2010
    TTC since: September 2010
    BFP 1/18/2013 - beta #1 - 174
    1/21/2013 beta #2 - 705

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  • RedRobin81RedRobin81 member

    imagejchanth:
    I'm not sure about all insurance companies, but when i switched to my H's insurance, i was completely covered for everything he is covered for. HTH!

    It does help, thank you!  If by some miracle it happened in the next year, I just want to make sure we're covered, ya know? 

    p.s. I love looking at your sig, those pics are just beautiful!

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  • jillane513jillane513 member

    Not sure the exact answer to your question but I did a little research and this is what I could find out....

     https://www.insure.com/articles/healthinsurance/pregnancy.html

    " 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."

    "  If you're planning to become pregnant, make sure you have health insurance first. If you're pregnant and thinking about switching jobs, be aware that you might have to go a month or two without insurance, and make sure your next health plan covers pregnancy. Check with the company's employee benefits administrator to find out."

    Based on what this article is saying I would imagine that if your coverage would start immediately after you switch to your husband's insurance then your pregnancy would be immediately covered.

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  • RedRobin81RedRobin81 member
    imagekdodge423:

    No group policy I have ever seen has that restriction. You would have to check your husband's plan to see what their rules are- we have no way of knowing unless we work with your husband (and don't throw out it's BCBS or whatever- different companies have different policies written for them with different features).

    The big thing the year restriction usually applies to is a single policy or for short term disability.

     

    Ah, that makes sense...thanks and congrats on your little one :)  I suppose I could have him ask his HR/People person if I get the other job and we make the switch, I was just looking for some insight from you all.

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