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Can i get on Blue Cross Blue Shield while pregnant? or is it pre-existing??

Does anyone have this or know if they will accept me if i get pregnant? My fiancee and i are getting married in 2 months and this is his insurance thru work. Once we are married i can get on his insurance, BUT what if we are PG by the end of this month?? Will they take me or will it be a pre-exisiting condition?? I am getting very very nervous(and sick to my stomach)about it! and its after hours so there is no customer service to call but i will call Monday for sure!! Any help would be appreciated!! :)


Asked by MamaCass2003 at 10:59 PM on Aug. 13, 2010 in Trying to Conceive

Level 6 (142 Credits)
This question is closed.
Answers (16)
  • If you are going to be added on to fiancee's insurance once you get married then it does not matter if you are pregnant already or not. His insurance is not allowed to deny you. However, as a heads up because I was in this situation not too long ago, if may take a few weeks after he adds you on to his insurance for you to actually be covered and able to see a doctor.

    Answer by pinkie8986 at 11:08 PM on Aug. 13, 2010

  • they have to take you when he adds you on when you get married.

    Answer by princessbeth79 at 11:03 PM on Aug. 13, 2010

  • As of sometime in September anyone can get insurance regardless of pre-existing conditions.

    Answer by mommy_of_two388 at 11:04 PM on Aug. 13, 2010

  • It's pre-existing no not right now but sometime In September regardless of being pregnant you can get on.

    Answer by mommy_of_two388 at 11:03 PM on Aug. 13, 2010

  • Awesome! thank you!! i feel better now! :)

    Comment by MamaCass2003 (original poster) at 11:04 PM on Aug. 13, 2010

  • Pinkie-THANK YOU!!!! great info! WHEW! you guys really made me feel much better!! i was freaking out and googling like crazy about this!!! LOL

    Comment by MamaCass2003 (original poster) at 11:11 PM on Aug. 13, 2010

  • oh please don't count on that coverage! read his policy, and read it well! why not wait until you are married and covered for sure? in the grand scheme of things, what difference does one or two months make? a pregnancy and delivery can be anywhere from $9000-$17,000 without complications!
    of course most states make sure that the uninsured are covered for pre natal care and the delivery too.
    anyhow, why risk it?

    Answer by happy2bmom25 at 11:12 PM on Aug. 13, 2010

  • well......i didnt think of the pre-exisitng question until i saw it on a post today. and we have already started TTC this month and i am a few days past ovulation..SO...if i am not PG at the end of this month, then we will have to wear condoms to wait another month to be sure we are covered. but i will call MOnday and talk to a real person there at customer service to find out.

    Comment by MamaCass2003 (original poster) at 11:15 PM on Aug. 13, 2010

  • good luck!
    congratulations too!

    Answer by happy2bmom25 at 11:24 PM on Aug. 13, 2010

  • Actually, most BCBS plans will not allow pregnancy to be considered pre-existing. So if you were pregnant now and got married tomorrow it should still be covered. Of course - each policy is different so you would have to read the fine print. But maybe just wait to get pregnant! Then you won't have to worry about it. Also - just an FYI...nothing is pre-existing if it is not "diagnosed by a health care professional" before the start of the policy. So if you get pregnant before getting on insurance, then just don't go to the doctor until after. That way you can't be diagnosed and therefore it can't be pre-existing.

    Answer by Katt709 at 11:31 PM on Aug. 13, 2010

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