Insurance question

cj1990 · Jul 20th, 2011, 21:03 PM

Ok my insurance became effective from my job on july 11th. My cycle started on june 23rd and i ovulated on july 6th. i did not get a positive pregnancy test until july 18th. Would this be considered pre-exsisting to an insurance company or would it fall in the range of coverage to your knowledge? All opinions and advice is greatly appreciated.

MLS · Jul 20th, 2011, 21:08 PM

with mine, it was our conception date.
so i would think, unless your doctor could say otherwise for insurance reasons (which mine was willing to do, but we ended up not needed it, because hubsy got another job where preexisting didnt matter...) that it would be preexisting. Because if you ovulated the 6th, chances are, you concieved at the LATEST the 7th. Which is still 3 days before your insurance kicks in on the 11th.

sahmSC0709 · Jul 20th, 2011, 21:11 PM

Group Insurance (Which is what it is if it's through your employer) does not have a pre-exisiting on pregnancy.

sahmSC0709 · Jul 20th, 2011, 21:14 PM

Whether or not pregnancy is treated as a pre-existing condition depends on the type of plan involved. Under federal legislation, group insurance plans are required to provide coverage to pregnant women. Women who are already pregnant when they buy an individual health insurance plan won’t be covered at all."

http://www.insuranceproviders.com/pr...alth-insurance

You should be fine.

cj1990 · Jul 20th, 2011, 21:18 PM

awesome, thank you very much.

sahmSC0709 · Jul 20th, 2011, 21:19 PM

No problem! Congrats on your pregnancy!!! Happy & healthy 9 months!

Jul 20th, 2011, 21:03 PM	#1
cj1990 Pregnant (Expecting) Join Date: Mar 2011 Posts: 77	Insurance question Ok my insurance became effective from my job on july 11th. My cycle started on june 23rd and i ovulated on july 6th. i did not get a positive pregnancy test until july 18th. Would this be considered pre-exsisting to an insurance company or would it fall in the range of coverage to your knowledge? All opinions and advice is greatly appreciated.

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Jul 20th, 2011, 21:08 PM	#2
MLS Mum (Mom) Active BnB Member Join Date: Mar 2011 Posts: 996	with mine, it was our conception date. so i would think, unless your doctor could say otherwise for insurance reasons (which mine was willing to do, but we ended up not needed it, because hubsy got another job where preexisting didnt matter...) that it would be preexisting. Because if you ovulated the 6th, chances are, you concieved at the LATEST the 7th. Which is still 3 days before your insurance kicks in on the 11th.

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Jul 20th, 2011, 21:11 PM	#3
sahmSC0709 Pregnant (Expecting) Active BnB Member Join Date: Jun 2011 Location: South Carolina Posts: 134	Group Insurance (Which is what it is if it's through your employer) does not have a pre-exisiting on pregnancy.

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Jul 20th, 2011, 21:14 PM	#4
sahmSC0709 Pregnant (Expecting) Active BnB Member Join Date: Jun 2011 Location: South Carolina Posts: 134	Whether or not pregnancy is treated as a pre-existing condition depends on the type of plan involved. Under federal legislation, group insurance plans are required to provide coverage to pregnant women. Women who are already pregnant when they buy an individual health insurance plan won’t be covered at all." http://www.insuranceproviders.com/pr...alth-insurance You should be fine.

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Jul 20th, 2011, 21:18 PM	#5
cj1990 Pregnant (Expecting) Join Date: Mar 2011 Posts: 77	awesome, thank you very much.

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Jul 20th, 2011, 21:19 PM	#6
sahmSC0709 Pregnant (Expecting) Active BnB Member Join Date: Jun 2011 Location: South Carolina Posts: 134	No problem! Congrats on your pregnancy!!! Happy & healthy 9 months!

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