Community› The Bump Message Boards› Babies: 0 - 3 Months
Babies: 0 - 3 Months
New Discussion

Switching health insurance right after baby is born?

WanderingAWanderingA member
in Babies: 0 - 3 Months
I am currently carrying the health insurance for both my husband and I through my company. My husband is self-employed so it made sense for him to be on my policy. After I got pregnant we decided that after the baby is born I will stay at home to care for it and complete my degree. We looked into getting private insurance right away but because I am pregnant that is considered a "pre-existing condition" and we were not able to switch. Also, since I have 5 months more of working, it doesn't make sense for me to switch until I need to.

So the plan is now that we will stay on the companies insurance until after I give birth, then look for private insurance right away so I can put in my notice at work that I will not be returning. My questions about this are...

-Is there a waiting period after a baby is born before you can get new insurance?

-What is the (approximate) price jump from covering 2 adults, to a family (Before they knew about the pregnancy, Aetna had quoted us about $160/month for the two of us which seemed CHEAP)

Thanks for any clarification!
 AlternaTickers - Cool, free Web tickers
image

F15 Siggy Challenge: What You're Looking Forward to Most After Baby Arrives: BELLY SLEEPING!

photo c433cf4d-aa40-443c-af77-110275d91d89.jpg
Report Reply to Post

Re: Switching health insurance right after baby is born?

  • rjeller32rjeller32 member
    I am not sure if there is a waiting period, maybe ask the potential insurance you plan to go with whether or not there is, it might depend. And that seems reasonable for Self+Spouse insurance, I paid about 32/per week for just self pre-baby and pre-marriage. We pay 145.66 a WEEK for Insurance through Blue Cross Blue Shield for Self/Spouse and Children. But they also covered all but 2000 dollars out of 11,000 is cost to pop out our LO, so I am glad to pay that!
    Baby Birthday Ticker TickerBaby Birthday Ticker Ticker
    image  image
    Report Reply
  • Loading the player...
  • Tennis ChickTennis Chick member
    Truly you just need to contact companies to find out what their price is. For the company I work for, I can have single insurance, single +1, or family. There is $15 difference between the single +1 and family plans. 

    Also, are you planning on taking FMLA leave (and/or using STD)? Or letting your employer know before you leave you won't be returning? The reason I ask is because if you take leave, then let them know you won't be coming back, most companies require you to pay back insurance premiums while you were out. 

    Report Reply
This discussion has been closed.
Choose Another Board
Search Boards
"
"