If you start a new job after getting pregnant, will your employer's insurance not cover delivery?

Someone told me that if I start a new job after I get pregnant, the company's insurance will not cover anything pregnancy related because the baby was conceived before I started working there. Is that true?
If you start a new job after getting pregnant, will your employer's insurance not cover delivery?
Generally it's safe to assume this is true. However, each individual insurance company may not follow this policy. I had super insurance in the past and they would have covered anything - no matter what.


Check into your policy and talk to them. Find out before assuming. Best Wishes!
Reply:HIPPA laws changed that.





If you already have health insurance, then all you need is a letter from the previous insurance company showing that you've had continuing coverage until the new insurance goes into effect. If you've got that, they are required by law to cover the pregnancy.





If you've allowed your insurance to lapse before getting the insurance at the new company, then the pregnancy falls under "pre-existing condition" for which you usually have to wait a year before the new company has to cover it (which in the case of pregnancy, you will have already given birth by the time this exclusion period is over).
Reply:More than likely. It is called a pre existing state or illness. Most companies have a grace period before the insurance starts and you will not be covered during this time or for any illnesses or circumstances that come up during this time or before. The only way I can see you maybe getting around this is if you haven't been to a doctor to confirm pregnancy until after you insurance comes into affect. That would probably be dependent on what the policy says. Good luck.
Reply:It depends on the company. In the are where I live most of the insurance companies do not consider pregnancy as a pre-existing condition. I started my job after I found out I was pregnant and everything was fine. The only compication was I had to go out on extended leave of absence due to pregnancy complications and my long term disablity didn't kick in because they saw it as being preexisting. Best bet is to check with the insurance company. If the employer you are starting work with knows you are pregnant already ask them...they will find out and you have 30 days to sign up and 30 days for your hubby to drop the coverage at his job. Good luck!
Reply:this is not always true, you need to read the medical plan. I started a job when I was 4 month pregnant and my policy states that pregnancy is not a pre-existing condition when there are more then 50 employees! I am lucky, I have only a $15 co-pay and will only have to pay about $1,100 out of pocket. Prior to me starting this job I had no insurance at all. So don't rule out that you will not be covered, read the documents or call the insurance company and find out.
Reply:It depends on the companies pre-existing condition policy. If you had insurance before you got pregnant and will just transfer companies when you transfer jobs they will often cover your pregnancy. If however you didn't have insurance before your new job they will probably say that your pregnancy is a pre-existing condition and refuse to cover you.
Reply:She is correct, your pregnancy would be considered a pre-existing condition and anything resulted from it would not be covered. That is assuming you have "maternity" coverage, check with the provider because a lot of times, "maternity" coverage is not generally provided, but an "extra" that you can add on. And also every insurance provider is different so check with them about their insurance when interviewing. Good Luck!
Reply:Depends on if you were covered before by another insurance. The insurance that we have won't cover pregnancy immediately, you have to be on the policy for 10 months before your maternity coverage kicks in. It all depends on the insurance company and plan that your employer is signed up for.
Reply:Pregnancy should ALWAYS be covered regardless of whether it's a pre-existing condition or not. You're still entitled to prenatal care for the best care of your baby and the insurance should completely cover it.
Reply:That is correct, they call it a "pre existing condition". The way to get around that is not to tell, and go for a gyno exam when you start your new job.
Reply:It depends on the insurance companies policy. Most of them cover maternity care only after a year of carrying your policy.
Reply:You will fine. On a group plan they can not rule out pre existing condition. Just sign up and don't say anything about being pg. I did that on my husbands and everything is fine.
Reply:Since you are getting so many opinions, you should ask to see a copy of the insurance policy before you join a new company.
Reply:Usually that is true because its a pre-exsisting condition.
Reply:Yes, generally true.
Reply:That's correct. It's normally considered a 'pre-existing condition' and is not covered.
Reply:This is true. You will need to seek outside insurance if you already knew you were pregnant.
Reply:correct
Reply:NO! Not true.





By law pregnancy cannot be considered pre-existing and has to be covered my the insurance company!





ETA ~ For the 5 of you that thumbed me down!!!








http://www.dol.gov/elaws/ebsa/health/4.a...





A limitation or exclusion of benefits for a condition based on the fact that you had the condition before your enrollment date in the group health plan. A pre-existing condition exclusion may be applied to your condition only if the condition is one for which medical advice, diagnosis, care or treatment was recommended or received within the 6 months before your enrollment date in the plan. A pre-existing condition exclusion cannot be applied to pregnancy (regardless of whether the woman had previous coverage), or to genetic information in the absence of a diagnosis. A pre-existing condition exclusion also cannot be applied to a newborn or a child who is adopted or placed for adoption if the child has health coverage within 30 days of birth, adoption or placement for adoption and does not later have a significant break in coverage. If a plan provides coverage to you through an HMO that has an affiliation period, the plan cannot apply a pre-existing condition exclusion. A pre-existing condition exclusion can not be longer than 12 months from your enrollment date (18 months for a late enrollee). A pre-existing condition exclusion that is applied to you must be reduced by the prior creditable coverage you have that was not interrupted by a significant break in coverage. You may show creditable coverage through a certificate of creditable coverage given to you by your prior plan or insurer (including an HMO) or by other proof. The plan can apply a pre-existing condition exclusion to you only if it has first given you written notice. If your plan has both a waiting period and a pre-existing condition exclusion, the exclusion begins when the waiting period begins. In some states, if plan coverage is provided through an insurance policy or HMO, you may have more protections with respect to pre-existing condition exclusions.