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August 2016 Moms
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Insurance question.

THATdisneyMomTHATdisneyMom member
in August 2016 Moms
Normally I would ask my sister (who works in insurace) but we aren't revealing yet!

As I understand it The Affordable Healthcare Act got rid of 'preexisting condition' discrimination. We already did our insurance junk and paid for january.

My question is... if I go to the dr on the 29th instead of waiting until January it won't mess up anything with my insurance right? We won't be doing an U/S just a confirmation and a follow up pap.

I'm not convinced this isn't a silly question, but I am pretty ignorant when it comes to insurance in general.
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Re: Insurance question.

  • DDRRT1982DDRRT1982 member
    Do you currently have insurance?
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  • THATdisneyMomTHATdisneyMom member
    Yes
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  • MSUgrad12MSUgrad12 member
    It's okay. I have the same question, I just cancelled my insurance beginning 1/1 so I can get on DH and am hoping everything will be okay. Thanks for posting this @THATdisneyMom


    Pregnancy20ticker

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  • DDRRT1982DDRRT1982 member
    edited December 2015
    You have continuous coverage then, meaning you have had access to care the whole time. It wouldn't be considered a preexhisting condition that they could deny services due to continued insurance coverage anyways. The only thing is you might have to pay out of pocket this month and next month when the new year starts and your out of pocket expenses start over.
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  • Stephanie7693Stephanie7693 member
    Pretty sure pregnancy related appts are classified as preventative, and wouldnt be considered a preexisting condition. At least that's what I got out of my research. So you should be fine when your new insurance starts up
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  • Tra1010011Tra1010011 member
    I am switching my plan effective 1/1 as well. I did it before my BFP but we were hoping so I thought it would be good to upgrade to the better option just in case. From my research, pregnancy is not considered a pre-existing condition (anymore), so you should be fine. For peace of mind, I would suggest calling your new insurer to be sure or ask at your dr's office if you aren't comfortable calling insurance -- I'm sure they see this all the time around the start of the year.
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  • 1faceinacrowd1faceinacrowd member
    PP is correct. I worked as an Insurance Specialist for a few years, just as the ACA was being passed. Preexisting condition is defined as a condition that was discovered and/or treated prior to obtaining health insurance. If you already have insurance, even if it's through a different carrier, you would not fall under "preexisting" anyway.

    But you are correct, the ACA eliminates the clause around treatment of preexisting conditions. Three cheers for healthcare reform. Hip Hip HORRAY!
    Me: 25  DH: 28

    Hubby's little boy - my wonderful step-son - born 5/23/10
    BFP#1: 06/2010...my beautiful baby girl born 3/7/2011
    BFP #2: 10/24/15...mc on 10/31/15
    BFP #3: 11/27/15. EDD 8/6/16

    "Success is going from failure to failure without loss of enthusiasm." -Winston Churchill
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  • THATdisneyMomTHATdisneyMom member
    OK yay! I tend to be a worrier so I appreciate all the comments!!! We actually have the same carrier we just had to get a 'new plan' because they just love to try and change everything and raise rates every year lol like they aren't making enough money already! But ok this makes me feel better. Especially since I've heard some people are brutal on TB and I felt kind of dumb. My appointment is next Tues so I'll just talk to my dr then :)

    And yes yay to Healthcare reform. We have a LONG way to go still but hopefully it's a start in the right direction.
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