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LIMOMx2
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Member since 5/05 24989 total posts
Name:
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Is PG a pre existing condition?
If someone is PG and has no insurance but then tries to get insurance, is PG a pre existing condition? Will they then cover it?
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Posted 7/10/07 11:33 AM  |
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Long Island Weddings
Long Island's Largest Bridal Resource |
LI2VA
Love my life!!
Member since 11/05 3125 total posts
Name:
Melissa
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Re: Is PG a pre existing condition?
Under NYS law Pregnancy is NOT a pre existing condition. Insurance cannot be denyed for that reason.
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| Posted 7/10/07 11:49 AM |
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Selden78
I lvoe the fall :)
Member since 6/06 3543 total posts
Name:
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Re: Is PG a pre existing condition?
realy that is something interesting
I know that with disablity ins if you sign on 1 month before getting PG they wont pay you ( at least my policy stated you must be inrolled 3 months prior to getting pg)
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| Posted 7/10/07 11:52 AM |
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snuggleupagus
I'm a rolling machine.
Member since 9/06 2064 total posts
Name:
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Re: Is PG a pre existing condition?
Posted by Selden78
realy that is something interesting
I know that with disablity ins if you sign on 1 month before getting PG they wont pay you ( at least my policy stated you must be inrolled 3 months prior to getting pg)
PRIVATE disability can make up any rules. my company carries the minimum state policy and there are no restrictions like that.
medical insurance is NOT allowed to consider pregnancy a pre-existing condition. i know from experience as i got pregnant right when i started my new job and wasn't eligible for the insurance for 3 months.
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| Posted 7/10/07 12:06 PM |
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trnity44
I hope you stay beautiful baby
Member since 5/05 8356 total posts
Name:
Liz
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Re: Is PG a pre existing condition?
Not with my insurance. I was about 3 months PG when we switched to DH's insurance and it was not a problem!
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| Posted 7/10/07 1:27 PM |
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LIMOMx2
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Member since 5/05 24989 total posts
Name:
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Re: Is PG a pre existing condition?
Thank goodness. Thank you
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| Posted 7/10/07 1:29 PM |
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MST9106
My life:)
Member since 6/06 9589 total posts
Name:
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Re: Is PG a pre existing condition?
A "pre-existing" condition under any kind of insurance means a condition that existed prior to enrolling in a policy...I would double-check with your insurance company and confirm about pregnancy.
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| Posted 7/10/07 2:12 PM |
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LIMOMx2
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Member since 5/05 24989 total posts
Name:
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Re: Is PG a pre existing condition?
Posted by MST9106
A "pre-existing" condition under any kind of insurance means a condition that existed prior to enrolling in a policy...I would double-check with your insurance company and confirm about pregnancy.
Oh gosh. It's not for me  It is for a friend.
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| Posted 7/10/07 2:29 PM |
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MommyofG
just the girls
Member since 5/05 9461 total posts
Name:
Janice
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Re: Is PG a pre existing condition?
DH's medical insurance switched 3 times during my pg with no problem.
I believe only disability insurance you have to have that PRIOR to getting pg.
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| Posted 7/10/07 2:58 PM |
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FelAndJon
needs to update her avatar pic
Member since 6/05 10212 total posts
Name:
Felice (aka LuckyBride2004)
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Re: Is PG a pre existing condition?
The subject line made me laugh a little
But, to answer your question, it depends! At my company, it isn't but as others said, it might.
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| Posted 7/10/07 3:20 PM |
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MsMBV
:P
Member since 5/05 28602 total posts
Name:
Me
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Re: Is PG a pre existing condition?
Posted by snuggleupagus
PRIVATE disability can make up any rules. my company carries the minimum state policy and there are no restrictions like that.
medical insurance is NOT allowed to consider pregnancy a pre-existing condition. i know from experience as i got pregnant right when i started my new job and wasn't eligible for the insurance for 3 months.
ITA. The only insurance that did not cover my PG was our AFLAC, since we enrolled in my 2nd tri. We did not have it long enough to make the claim by the time baby G was born.
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| Posted 7/10/07 3:40 PM |
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MrsS2005
Mom of 3
Member since 11/05 13118 total posts
Name:
B
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Re: Is PG a pre existing condition?
It depends on the circumstances and the insurance policy. HIPAA (federal law) states that pregnancy cannot be considered a pre-existing condition for health insurance purposes. However, HIPAA doesn't apply to someone who does not have insurance. NY law allows pregnancy to be considered a pre-existing condition for individual insurance contracts. Your friend needs to look at the policy and talk to someone at the company.
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| Posted 7/10/07 6:37 PM |
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KateDevine
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Member since 6/06 24950 total posts
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Re: Is PG a pre existing condition?
Posted by MST9106
A "pre-existing" condition under any kind of insurance means a condition that existed prior to enrolling in a policy...I would double-check with your insurance company and confirm about pregnancy.
Under NYS law it isn't.
You can FM dm24angel (Donna) she works for an insurance company.
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| Posted 7/10/07 9:58 PM |
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