New Question -- Will My Pregnancy Be Considered a Pre-exsisting Condition?

If you have not already seen the doctor to tell you that you are definately pregnant, then it would not be considered a pre-existing condition, but if you have already seen the doctor more than likely it will be considered pre-existing.

If you are wondering if you will get money back from taxs I don't think so. I think it's only if you had them in that year time limit. I was not able to with my 2 yr old son. But it might be diff. in other states.

How far along will you be when you get married? I know that when my sister was expecting my nephew my BILs insurance changed and there was a big tadoo over when he was actually conceived to figure out which insurance would have to cover the pregnancy. I would think it wouldbe considered pre-exsisting. However, usually when someone has insurance and there is whats called a LIFE CHANGE (usually marriage, divorce, loss of job, birth/adoption of a child) you can change your coverage within 30 days of the change with no issues of pre-exsisting conditions. Check with his human resource department on what their requirements are.

It Depends on your Insurance company and if you already had some type of coverage if you have no insurance right now then most likly they will consider it a pre-exsisting condition. Some will cover it and some will not.

Hope this helps.

M.

I went through the same exact thing! The day we got married was the day my husband's insurance kicked in.
Call to make sure, so you can stop worrying, and then make sure you have the forms to add you to the insurance filled out and sent in right away! Might want to grab one for the baby as well to send in after the birth ASAP! Make sure that the company will cover you from day 1, not from the day they are notified.

P.S.You may want to look into what each of your insurance's have to offer. Even if you end up paying separate premiums, perhaps you may save some money in the long run if you look close enough at the coverages of each. Or, if premiums are low, 2 insurance's only help eachother... and may save you some money.

Call the insurance company and ask them- it's going to vary from one ins. company to another, so our information may or may not be accurate.

I used to work in the insurance industry and you need to find out about your specific plan. Be sure to get the name of the person you speak with and document what they tell you, so that you'll have it for your records.

Good Luck!!

M.

Hey A.
I just got insurance through my job in december and at that time I was 10 weeks pregnant and my insurance company is paying for my doctor's visits, so I would say that you should be ok as well.
M. B.

A. -

I would double check with his insurance company but I think most companies now a days do NOT consider pregnancy a pre-existing condition. Congratulations on both!

L.

hey A. i have actually been through this unfortunately. if he has group coverage through his work then it won't really matter to them. however if it is just individual coverage that you are being added too or if you are shopping for new insurance then yes it will be pre- existing and they won't cover the pregnancy. there are other options though. you can get put on state health care if no other insurance company will carry you because of a pre existing pregnancy no matter what your income is. I had to go on state pregnancy through my first child because our insurance wasn't group coverage at the time. but congradulations on your pregnancy and wedding. good luck. H. ayer

I've been in a similar situation...and pregnancy is not considered a preexisiting condition. In fact, I used to work for Blue Cross Blue Shield and have an aunt who currently works for them-and it isn't considered a preexisiting condition. However, do you know if your fiancee's company has them on an individual plan or a group plan? Sometimes that makes a difference. most compaines have their employess on a group plan-but I would check just in case. Have your boyfriend ask his HR person and they can tell for sure if pregnancy is considered preexisiting. Most insurance companies do not consider it preexisiting though. For sure I know Medica, United Healthcare, and Blue Cross do not. Hope this helps. Congrats and Good luck!

When I was pregnant, I actually switched insurance companies a month before I was due. I was not penalized as having a "pre-existing condition". (However, I did live in a different area.)
I'd check with your insurance compny to be sure. Sometimes the conditions they are talking about when they say "pre-existing" are long term care conditions, like a diabetes or a stroke, etc.

Good Luck!
~Missy

Each insurance company's policy is different. You will have to check with the Explanation of Benefits of whether or not it's covered. Being pregnant is considered more to be a life-choice than a medical issue. Some companies will pay for everything (this is more for group insurance), but most individual policies will not. Some individual policies will only pay after a waiting period (usually 24 months), and even then it's not full coverage. My guess is that if your b/f is a trucker, he may have an individual policy.

Don't try to lie to the insurance company, they will find out. They go by when the conception date was, regardless of when your first prenatal visit is. It's best to call them ahead of time and find out. He should know if he's an individual policy or part of group insurance, but ask him to dig out his booklet that he got, and he should get a new one every year too.

Even if the insurance company does not pay for the routine stuff during pregnancy or the birth itself, they will pay for complications of the pregnancy, such as emergency c-sections or additional ultrasounds for high risk issues. But, as being pregnant is a life choice, they have the right to deny any claim. Best bet is to call ahead. Without knowing who the carrier is, I can't give a better guess. I'm a licensed agent in life & health and used to work in claims in a network of a few insurance companies, and know that every policy, of every company, can be very different.

I am currently pregnant with my first child and my boyfriend and I are not currently married. In case we do end up getting married we checked with his insurance company (blue cross blue shield) and they do not view pregnancy as a pre-existing condition. You'll certainly want to double check with the insurance company though because I don't know if they view this differently or not.

I was pregnant when my DH got hired on from contractor to permanent and so I went on his when I was pregnant because his change in status was considered a life changing event. I had insurance but switched to his. Since you will be getting married first then going on his I doubt it'll matter whether you had insurance or not because the marriage is a life changing event.

I don't know how state medical insurance works in Wisconsin, but you might also want to check that out as well. When I was pregnant with my son I was not married and a full time student in college so I was still covered by my parents health insurance. During that time I also applied for medical assistance and was accepted onto that. Although my primary insurance was my parents insurance all extra expenses were covered by medical assistance. State insurance (at least in mn) will find a way to help you out when you are pregnant even if it does involve paying a small premium.

Well it depends on the company that he works for and the ins. that they use. But they may not have a prob because the baby is his. Thats what I know about it. So check it out and I hope it all works out and congats on the wedding. I hope it is every thing that you wished for:)

Hi,
My now husband and I did pretty much the same thing as you are doing.
I was pregnant when we got married and there was no problems with the insurance.Pretty much everything was covered.
I hope this helps.
A.

Pregnancy is not considered pre-existing. I personally know of several people that have gotten married and got insurance while pregnant. You can always call his insurance company just to make sure, but I believe it's a law that pregancy is not prexisting.

I have know many friends that have been in this situation. If you have been with out insurence for, i think like 3or4 mons but every insurence company may be different, they probley wont cover the pregnecy at all. I could be wrong or some companies may do things differently, but in all my experences the insurence company wont pay. sorry
N. Hunt

Not to beat a dead horse but call the insurance company. I am a licensed insurance agent in this field and can tell you in MN, it depends on several factors. Things like your current coverage type, how long you had it, what his plan offers, if his is group or individual and which carrier he has.
Some companies do not cover pregnancy regardless of when it occurs and some will consider this a pre-existing condition.
Some group carriers today do not require marriage to get insurance on domestic partners as long as the company with the plan has elecetd to provide coverage for same-sex or opposite-sex couples.

Call before you do anything and ask every question before you make any changes.

Good luck-
D.

My cousin had to wait 90 days with her job to get health insurance, and got pregnant right about when the 90 days was up. They considered it a pre-existing condition and she was not able to get on the insurance until after having the baby. She had no insurance so had to get MinnesotaCare during her pregnancy, which acutally worked out well because it has low premium, good coverage, and you get most of the extra's with it (like a breast pump if you breast feed... I needed one but my insurance didn't cover it, she quit after 2 weeks, but got hers for free). That is always there if you are unable to get coverage, and the premium is based on your income. Good luck in your pregnancy! Congratulations!

Call the insurance company and ask. Your boyfriend's insurance card should have a phone number on the back for benefits questions. Just be prepared with the group number and identification number.

Call the insurance company to find out or get on BadgerCare...

Call the insurance company, but usually it depends on how far along you are and whether or not you've had insurance coverage in the past 60 days.

Good luck!

-M.
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Hi A.,
I can tell you that last January when I found out I was pregnant even though my boyfriend and I were planning to get married sooner due to the pregnancy (he is a trucker too) EVERY insurance company told us it would be considered a pre-exsiting even the company he already has. So I ended up going with BadgerCare. I had my beautiful daughter in August and all we have to do is pay back half of the delivery cost. Just the delivery nothing else not doc visits or hospital stay or any of it.
Good Luck with your upcoming marriage and baby.
Hope this helps you.
L.

Have your boyfriend check with his employer's benefits department and look through his insurance package to find out how this "life event" may affect the coverage you recieve prior to your delivery.

This information is from the Department of Labor website:
http://www.dol.gov/dol/allcfr/Title_29/Part_2590/29CFR259...

29 CFR 2590.701-3 - Limitations on preexisting condition exclusion period
Pregnancy. A group health plan, and a health insurance issuer offering group health insurance coverage, may not impose a preexisting condition exclusion relating to pregnancy.
Hope this helps.
Best wishes.

I haven't been in your exact situation, but was warned by my last ob when I was moving to check with my new insurance company. He told me that some will not cover prenatal care and/or delivery if you haven't been with them for a set period of time. So, my advice would be to contact the insurance company and ask them.