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This may vary between companies. I write applications for BlueCross BlueShield of Florida, and neither the expectant mother nor expectant father is eligible for coverage until after the baby is born. Also, the baby itself needs to be six weeks old before it will be eligible for coverage. You can check with the different companies, but be upfront with the agent to save yourself the time of completing the application process only to be declined.

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Q: Can husband get insurance while wife is pregnant?
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