I'm switching insurance in the middle of a pregnancy-HELP!!?

-OK, so I'm not actually in the MIDDLE of the pregnancy. Here are the details:

I took a home pregnancy test two weeks ago and it said positive ( I took two of them). So, I called my OBGYN and made an appt. for next Tues. My husband's last day on his job is next Fri - he will immediately start at his new job the following Monday and they told him his insurance would go into effect that day.



My concern is hearing about "pre-existing conditions" etc. Should I wait one more week for the appt to be safe, or in most cases would there be no danger of me being penalized???



THANK YOU!!!It doesn't matter. When you're going onto a group policy, through an employer, they are not allowed to consider pregnancy a preexisting condition.



Also, when you're going FROM a group, to ANOTHER group, and your lapse in coverage is 63 days or less, they cannot exclude coverage for any preexisting conditions.



No worries. It doesn't matter either way.Waiting will not make any difference.



1) For group health insurance from a job, pregnancy does not count as a "preexisting condition". If the new insurance is group insurance, and it covers pregnancy, then it covers preexisting pregnancy the same as any other pregnancy.



2) Any other time of insurance does not cover any pregnancy during the first several months, usually one year, of the policy.



3) If you had health insurance for at least 16 of the last 18 months before your new insurance starts, then preexisting conditions are not excluded anyway. The official wording of this rule is that if the "gap" between policies is less than 63 days, then you get "credit" for prior coverage. It is hard to understand the rule, but you are fine.



The only reason that you might not be covered is that many health insurance policies do not cover any pregnancy. But if it does cover any pregnancies, then it will cover this one.