Re: Desperately need some advice about insurance coverage.....

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This seems to be a very grey area. I personally think it's silly to not cover pregnancy charges if conception occurred between the time the policy was written and the effective date. That would be like not covering diabetic care because you found out you were diabetic 2 weeks after you policy went into effect, even though you were probably diabetic before you policy went into effect.

The laws about pre-existing condition limitations are kinda goofy. I am pretty sure these limitations can not be imposed when you transfer from one group benefit plan to another. You would be best to consult your state insurance authority to find out the specific laws in your state.

Good Luck.

Andrea

At Wed, 24 May 2000, Jenny wrote: >
>At Wed, 24 May 2000, Jane wrote:
>>
>>I believe I became pregnant on May 8 and we are self employed with our
>>group policy (blue cross Ohio) going into effect on June 1. Do you know
>>if they have to cover? I answered "no" on the application about being
>>pregnant because I really did not know then. We had no health coverage
>>prior to this. The plan is supposed to cover maternity in full with no
>>waiting period and I have not been to a doctor or officially diagnosed
>>as pregnant. Do I have to tell my broker that I think I am pregnant?
>>Should I wait to see a doctor until the coverage has been in affect for
>>a month or so? Thank you for your help in advance.
>>
>>--
>>JD Anderson
>>
>Definately do not go and have the pregnancy "officially" diagnosed until
>after June 1. I believe they do not consider that you have any
>"condition" or health issues until seen by a professional. This would
>mean lab, doctors office or clinic. Did you have other coverage prior
>to the Blue cross ?? If so then you would be ok if you could prove
>coverage. Read your contract to see what it says about pre-existing
>conditions

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