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Re: Desperately need some advice about insurance coverage.....From: Lesley (anonymous@obgyn.net)Fri, 26 May 2000 16:08:37 -0500 (CDT)
I have been in the process of obtaining health insurance for a small business. I am currently covered under my present job, but will be quitting in a month. I am 9.5 weeks pregant. The Hippa laws were passed last year sometime which prohibits pregnancy from being a pre-existing condition. It is treated as any other illness, and you cannot be denied if you are pregnant. I believe you will be covered, no matter when you conceived. I'll be covered at 4 months when I switch. They will have a hard time proving the conception date anyway. Back when I was younger many babies were born 7 months after the wedding when the bride "conceived" on the honeymoon, if you know what I mean. Good luck! At Thu, 25 May 2000, AMD wrote: > >You need to read the "fine" print of your insurance policy. Some >policies have specific exclusions for labor/delivery charges for >delivery that is less than xxx (like 260) days from the date of >coverage. Others provide immediate coverage. At this point, there is >no harm in waiting until after 6/1 before seeing a doctor. > >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
-- Les
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