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what about health insurance?

i am switching a provider. i don't know much about insurance.......

Should i be worried they wont cover me?
Do they HAVE to?

Answer Question
 
maybe_baby

Asked by maybe_baby at 6:54 PM on Nov. 11, 2008 in Pregnancy

Level 1 (0 Credits)
Answers (8)
  • You need to check with your insurance company to see if the new provider is covered. And no, if the provider is not in their network, they do not have to cover you.
    boizmom

    Answer by boizmom at 6:59 PM on Nov. 11, 2008

  • Oh wait, are you talking about switching Health Insurance companies? Ohh, I don't know about that. That's something that you need to contact them on, to see if they cover maternity care or not. Also, pregnancy is not considered a pre-exisiting condition so if they do cover maternity, then they will cover you.
    boizmom

    Answer by boizmom at 7:01 PM on Nov. 11, 2008

  • Your insurance card has a number on the back that you can call and talk to them about everything. Usually they have a nurse hotline that you can ask questions too.
    reflect1light

    Answer by reflect1light at 7:01 PM on Nov. 11, 2008

  • yeah i meant that i was switching companies....lol
    maybe_baby

    Answer by maybe_baby at 7:02 PM on Nov. 11, 2008

  • and thanks!
    maybe_baby

    Answer by maybe_baby at 7:02 PM on Nov. 11, 2008

  • It depends on one big thing... If you are going through an employer, they CANNOT make your pregnancy a pre-existing condition... if you are purchasing the policy on your own, then thay can and they do not have to cover you... :) GL!
    leoangel

    Answer by leoangel at 7:26 PM on Nov. 11, 2008

  • It depends...they could consider it a pre-existing condition. Which, if you currently have insurance, you can usually show the certificate of coverage from the one you have know and they usually will then cover it. It really all depends on the company and you should check with them. Is it a change you have to make right now? Are you able to wait until after you give birth and get your follow up care? If so, you might want to wait and do that, rather than chance it not being covered. Good luck!
    tropicalmama

    Answer by tropicalmama at 7:27 PM on Nov. 11, 2008

  • Here ya go dear! this will tell you more in depth :)

    http://www.insure.com/articles/healthinsurance/pregnancy.html
    leoangel

    Answer by leoangel at 7:34 PM on Nov. 11, 2008

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