Yes you can get health insurance when pregnant, but there are limitations. There are three places to turn.
You can enroll in a group health plan through your employer. HIPPA prevents group plans from excluding pregnancy as a pre-existing condition even if you had no prior coverage. You would enroll during your open enrollment.
You can opt into an Affordable Care Act plan in your state marketplace during open enrollment. The policy would take effect on January 1. Any pregnancy related medical expenses would be immediately covered.
Medicaid provides immediate coverage for pregnant women who meet income guidelines. There are no open enrollment limitations for Medicaid.
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Yes. Under the new Affordable Care Act, you can not be declined for health insurance for any medical-related conditions. Each policy is required to cover 10 essential health benefits - one of these essential benefits is maternity care.
It's always helpful to consult with an experienced health insurance broker who can work with you on a personal level, discuss what your specific needs are, and compare multiple companies and their plans to determine which plan is going to be most suitable to meet those needs.
I hope the information is helpful - please feel free to contact me for help and if you have any other questions. Thanks very much.
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You can enroll in a group health plan through your employer. HIPPA prevents group plans from excluding pregnancy as a pre-existing condition even if you had no prior coverage. You would enroll during your open enrollment.
You can opt into an Affordable Care Act plan in your state marketplace during open enrollment. The policy would take effect on January 1. Any pregnancy related medical expenses would be immediately covered.
Medicaid provides immediate coverage for pregnant women who meet income guidelines. There are no open enrollment limitations for Medicaid.
It's always helpful to consult with an experienced health insurance broker who can work with you on a personal level, discuss what your specific needs are, and compare multiple companies and their plans to determine which plan is going to be most suitable to meet those needs.
I hope the information is helpful - please feel free to contact me for help and if you have any other questions. Thanks very much.