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It depends on the policy. Only 60% of group plans cover dependent pregnancies. Check with the carrier issuing the policy.
it really depends of each individual insurance. If the 19 year old is a full time student, she would be fully covered under your insurance. Also, some state laws require parents to cover a dependant child until a certain age (thru age 19 or sometimes even 23). if the child is covered under the insurance, a pregnancy would be covered.. meaning all prenatal care, post natal for the mother and delivery, including hospital and physician fees. The baby however, will not be covered. The dependant of a dependant is not typically a eligible covered dependant on any insurance plan. I've seen insurance plans that would cover a 19 year old child dependent, but, when you check the maternity benefit, she won't be covered unless there is a complication with the pregnancy. If your insurance plan covers her as a dependant or student then she will be covered for her maternity. Most insurance policies will not cover a dependant grandchild, it depends on your individual plan. I have not seen any plans in my company that do. You may need to look into applying for Medicaid for the grandchild. As stated above if the 19 year old is a qualified dependent then it should be covered **IF** the parents policy covers maternity. Maternity is not automatic coverage in all circumstances and is a benefit that is being made optional with much greater frequency in those states where the insurance company is not obligated to include it.
Answer1) call insurance and find out if they cover "dependent maternity" some do, some don't at all and some don't except for weird situations like c-sections and triplets.2) If they do cover dependent maternity relax a little. Coverage for your daughter will be fine and your grandson will be covered as a normal newborn while he's in hospital.3) Your grandson will need some kind of coverage. Make your daughter get a job with insurance. Wal-Mart, McDonald's, UPS all have part-time jobs with insurance. While you're at it make Dad get a job with insurance as well.It doesn't sound like you feel like it but congratulations! And remember God fully supports more humans.
The spouse, the children, and any covered adult dependent.
She is most likely covered. Most policies pay benefits for normal labor and delivery, provided her delivery falls outside the exclusion period. Check the policy details to be sure.
military
military
Washington does not have mandatory paid maternity leave, or short term disability insurance. Only five states have this type of state coverage.The best way to be covered for your maternity leave is to purchase a private short term disability policy before getting pregnant.
Pennsylvania does not provide any state maternity leave benefits. You will have to check with your employer to see what maternity benefits, if any, that are offered.Many people elect to purchase short term disability insurance before getting pregnant. This is the best way to create maternity leave compensation.
military
"Maternity insurance covers a wide variety of services. It covers visits to your doctor, ultrasounds, tests and lab work, prenatals and medicines, and also deliveries (whether by natural birth or cesarean section)."
"Historically, insurance companies covered dependent children to age 19 or 21 if they were full time students. With the passage of the recent Health Care Reform Act in 2009 the mandated age is now 26. Military insurance is no different. There are a number of insurance companies that cater directly to the military and offer varied products from life & health insurance to auto and home insurance coverages. All of which have their own policies concerning the coverage of dependent children."