Healthcare Coverage While Pregnant

Is pregnancy considered a preexisting condition if the person purchased insurance after they were pregnant but did not know they were pregnant?


Top Answer
User Avatar
Wiki User
2008-10-16 16:45:27
2008-10-16 16:45:27

Yes it is, still pre-existing, even if it wasnt to your knowledge. HIPAA is the law. Best chances for HIPAA to apply are if you go from a group plan to a group plan. Evidentally, individual to group and nothing to group are loop holes, so they can probably get out of it, or make you wait a certain amount of time. According to a Federal law that I found on the Internet, GROUP health insurance cannot consider pregnancy a pre-existing condition if they currently have maternity coverage. However, this law does not apply to INDIVIDUAL health insurance. So, if you've changed jobs, and you now have a GROUP health insurance plan, then there is a good chance that you may be covered. I just recently got individual insurance through BCBS and I was pregnant and did not know when I requested maternity coverage. BCBS policy says that pregnancy can not be considered a pre-existing condition and their definition of a pre-exisiting condition is a condition that you can been receiving treatment and/or professional advice and help for for 6 months or more before opting for coverage. Also, they say that except for pregnancy all pre-exisiting conditions require a 180 day waiting period.


Related Questions

User Avatar

Yes, it is, and so is pregnancy, or the USA anyways...

User Avatar

If the pregnancy began before the first date of coverage - yes it is preexisting.

User Avatar

Only if the pregnancy began before the insurance policy.

User Avatar

is pregnancy considered a pre-exsisting condition for medical coverage

User Avatar

More and more insurances are beginning to cover pregnancy that is pre-existing. The only way to find out for sure is ask the insurance or the company that she is going to work for should have someone that knows the insurance plans. * In a group insurance plan, pregnancy cannot be considered a preexisting condition. Here is a link to the federal law.

Copyright © 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.