PREGNANCY-BIRTH Messages for May, 2002: Re: Insurance coverage for pregnant, immigrant spouses?

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Re: Insurance coverage for pregnant, immigrant spouses?

From: Anonymous (anonymous@obgyn.net)
Tue, 14 May 2002 08:08:00 -0500 (CDT)

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In reply to: LaurieB: "Re: Insurance coverage for pregnant, immigrant spouses?"

At Tue, 14 May 2002, LaurieB wrote: >
>Dan,
>
>If she is covered under a state-sponsored plan, she has coverage. See
>if she can get some kind of document showing such coverage. Once she
>arrives here, try to add her to the policy. If your insurance person at
>work gives you any problems, contact the insurance company itself. If
>it gives you a hard time, contact the Office of Insurance Commissioner
>in your state. Or you could inquire at the Office of the Insurance
>Commissioner now with this question. And if the first person tells you
>no, ask why. Make them quote something to you. Often if the situation
>is unusual, people will say no or I don't know or I don't think so
>because they do not know the answer. If they don't know, make them find
>out the correct answer. I do not know what state you live in and each
>state has different laws, but she should be covered. I used to be a
>licensed medical, life and disability insurance agent and in my state, I
>believe she would be covered.
>
>Good luck!

>Dan,

I agree with the above response. I would also urge you to get a copy of your policy (a legal contract) if Aetna hasn't sent it out yet. If your wife's situation isn't specifically excluded, then nearly always the courts have sided with the insured (you) when contract wording is ambiguous. I don't believe you'll need to go to court- a call to the Insurance Commissioner's office should clarify this.

>At Tue, 14 May 2002, Dan wrote:
>>
>>I recently started a new job in Wisconsin and signed up for the PPO
>>through Aetna insurance. My wife and I were married in January, and she
>>will be immigrating here sometime in July. The problem is that my wife
>>is pregnant. She is not due until October. I've read other posts and
>>gathered that perhaps pregnancy is no longer considered a "pre-existing
>>condition"; however, the insurance company could decide to exclude her
>>for a number of reasons, including "if she has not been medically
>>covered before." My wife has never had a need for medical insurance
>>before (medical care was state-sponsored).

Next message: JK: "MD Poll--Testing after Two Miscarriages?"
Previous message: Jennifer: "twinges on right side????"
In reply to: LaurieB: "Re: Insurance coverage for pregnant, immigrant spouses?"

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