If you or your spouse just lost a job and therefore your medical insurance coverage, you need to look into a family health insurance plan. If you are currently pregnant, a new health insurance plan will not cover you or your pregnancy because this was a pre-existing condition.
You should check into continuing your current medical insurance coverage under COBRA if you are pregnant. You will have to pay a monthly premium that will likely be quite a bit higher than your group insurance coverage was with your job, but at least you will still have coverage. If you or your spouse is leaving one job to go to another that does have group health insurance maternity coverage, you may have a waiting period before the new plan will cover the existing pregnancy. If you are pregnant currently it is best not to change jobs if at all possible until after your baby is born.
Hopefully, you are not yet pregnant and can plan to have other health insurance maternity coverage when you do get pregnant. If this is the case, you can do an online search for medical insurance providers for your location. Be sure to add on maternity as special coverage. This will raise the premium, but if you plan to get pregnant it will be worth it. If you forget to add maternity coverage on your family plan and you become pregnant, you will not be able to add it on at that time. Remember, pregnancy is a pre-existing condition on a medical insurance plan. You will need to plan ahead for health insurance maternity coverage. Most plans will have a waiting period of 6 months to one year before maternity benefits will pay. Make sure you understand every detail of your policy so that you don’t end up disappointed later on. The cost of a pregnancy is high even with no problems, but if you encounter problems during your pregnancy, the costs will sky rocket. [Continue Reading...]