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Can you be added to your spouses insurance....

Ok say you just found out your pregnant...can you be added to your spouses insurance or will they not let you since your already pregnant?

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Anonymous

Asked by Anonymous at 2:57 PM on Jun. 4, 2009 in Pregnancy

Answers (6)
  • If your married then yes, but some insurances will only renew insurance every so many months like my DH can only add or take things away from his insurance every 6 months. You might want to call and ask, but if your not married then you cannot be added. You can always try emergency medical, it's only good for pregnancy related things, so all doctor visits, blood work, test, exams and birth will be covered but once they baby is born it's no good.
    Anonymous

    Answer by Anonymous at 2:59 PM on Jun. 4, 2009

  • In most cases yes as long as you all are married. Having a baby is considerd a life event so it will be no problem there even if its not open enrollment.
    lostshel

    Answer by lostshel at 3:09 PM on Jun. 4, 2009

  • If you aren't already on, you might have to wait until open enrollment. The baby itself, once born, can go immediately on the insurance without waiting. (It's the actual birth that is the life event, not the pregnancy.) For us, you can get added outside of open enrollment but there is a wait period before the insurance will take effect.
    evwsquared

    Answer by evwsquared at 3:36 PM on Jun. 4, 2009

  • Check with your husband's employer to see what rules the insurance company has regarding enrollment. I was able to get on my husband's insurance even though it wasn't open enrollment because I had continuous coverage prior to that.
    lilkgfan

    Answer by lilkgfan at 4:29 PM on Jun. 4, 2009

  • my husband has bcbs and i could not be added on his insurance. we have to wait till open inrollment. the babies will go on as soon as i have them but i have to wait till december. call your hr dept and see what the rules are for your plan.
    twinsnseptember

    Answer by twinsnseptember at 4:36 PM on Jun. 4, 2009

  • If you have already been to a dr to confirm the pregnancy the HMO might add you but not pay for anything pregnancy related, as they'll see it as a pre-existing condition. If you have'nt been to the dr try tofigure out the insureance before seeing the dr so you can be like oops must've gotten pregnant while trying to get on his insurance. If you are too far along this may not work.
    jombmomi

    Answer by jombmomi at 4:48 PM on Jun. 4, 2009

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