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Re: Question about Health Insurance During Pregnancy AnyoneFrom: Abby (anonymous@obgyn.net)Wed, 24 Sep 2003 13:42:34 -0500 (CDT)
At Wed, 24 Sep 2003, anon wrote: > >>No, not if they are planning to obtain INDIVIDUAL policies (not through an employer). In nearly cases when non-group health insurance is involved there is either no coverage for an existing pregnancy, or the price is so high it's unaffordable. I am not familiar with Kansas state law, so you might want to check with the Department of Insurance in the state capital. They probably have a website. > >Daphne, your husband should contact his former employer to see if he can >still qualify for their plan under "COBRA" laws. You'll have to pay the >premium, but your pregnancy would be covered. Or he should try to >obtain a job with a company which offers group health insurance. Your >pregnancy would generally be covered. >
>>Anon is correct. In Kansas, insurers who issue individual policies do not have to cover pregnancy. The state of Kansas does have a "high risk pool" for those who have been turned down due to pre-existing conditions. I believe you have to prove you applied to at least two insurers who turned you down in order to qualify. I don't know what the premiums are, but I would expect them to be fairly high. Call the insurance department in Topeka.
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