Originally Posted by Aggie2000
US Federal Law states that pregnancy cannot be considered a pre-existing condition.
This is not true.
The US Law states that IF the pregnancy is already covered, a health insurance company cannot refuse to insure the newborn.
The same states that IF you have PRIOR insurance coverage and do not have a lapse, that the insurance company must cover you...but they DO NOT have to cover you at the same rate as a non-pregnant applicant.
However, if you do NOT have prior insurance coverage, and you sign up to a new company, they will not cover the pregnancy and birth, but will be required to cover the neonate.
How do I know this?
I was at a new job when my twins were born and had over $180K medical bills hanging over my head...the physician had to certify how early my twins were because the insurance company was threatening to not pay for ANY of my hospital stay if my pregnancy was prior to my coverage date.
It wasn't a fly-by-night insurance company, and I had BC/BS...I had the highest tier that was offered, which covered everything 100% with no-copay if I stayed in-network, which I did.
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