Maternity Insurance When Already Pregnant
Finding Health and Maternity Insurance When You are Already Pregnant
Qualifying for maternity insurance through a private health insurance company if you are currently pregnant is difficult, if not impossible. Health insurance carriers will usually consider an existing pregnancy a reason reject an application. They will consider the pregnancy to be a pre-existing medical condition.
The information below might not be or might not be applicable to you. There are different laws in different jurisdictions. The exclusions and limitations you may find on a given policy may mean that a pre-existing medical condition you expect to be covered isn't.
It is important to understand your health insurance contract before you buy it.
It is also important to keep any existing health care insurance policy you may have until you are officially notified that the new one is in place. Even if your existing medical insurance policy does not cover maternity expenses, you should think carefully before canceling it.
There are three main reasons that you should do this. The first is that you may have an otherwise covered illness or injury not associated with your pregnancy that triggers a big medical expense. The second is that you might have or develop a preexisting condition that will keep you from getting coverage in the future. The third reason is that even though the health care expenses of a normal pregnancy might be excluded from your policy, your plan may include coverage for the complications of pregnancy. Complications of pregnancy are considered a disease. Pregnancy is not.
In many situations, individual or private health insurance will not be an option. Most insurance companies will automatically deny new coverage for pregnant women. However, there are some exceptions.
Group or employer-sponsored health insurance might offer an opportunity for you to get coverage. These types of policies are governed by different regulations. Medical history is less often a factor in your being eligible for a group insurance plan.
Employer-sponsored insurance policies will often cover pre-existing disease or conditions. If, you can get coverage via a group plan before you give birth, you may be able to get the health insurance company to cover most of your health care bills.
Of course, the group health insurance contract in question will need to cover maternity. Not all will. Many medical insurance policies will specifically exclude maternity related expenses.
In a typical pregnancy the vast majority of the medical care will be needed just before, during and immediately after the birth of the child. This means that if you can get coverage before you give birth, you can avoid most of the health expenses.
If your employer offers group insurance, and they will have an open enrollment period before your due date, you might be able to get insurance to cover your expenses in the maternity ward. This can help you dramatically reduce the bills you will need to pay.
If your spouse or domestic partner has group health insurance available at his or her place of employment, you may be able to take advantage of his or her next open enrollment period. This may also be a viable option for you.
If you are married at this time, but get married to someone with group insurance, you might be able to get insured by their policy during a special open enrollment period. Getting married usually allows a spouse be insured by the other spouse's health insurance plan right away without waiting for the next open enrollment period.
The strategies listed above will not work for every woman. Group health insurance often provides the best coverage. However, if you are not able to get coverage that way there might be programs available from your local, state or from the federal government that can help you limit your exposure.
To If you need more information about the alternatives you qualify for through other tactics and via local, state or federal-based programs, contact the medical facility where you plan to give birth. They might be able to help you.
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