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When do insurance companies consider the start of a pregnancy. First OBGYN appt or the date they calculated that one conceived?
Wiki User
∙ 13y ago
Neither, actually. The date that is printed on all of the claims is the date of your last menstrual period, your LMP. This is the date that is used when claims are filed.
Wiki User
∙ 13y ago
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When do insurance companies consider the start of a pregnancy First Dr appt dated or calculated conception?
You will have to check with your provider but most consider the first Dr appointment where the pregnancy is confirmed.
Do insurance companies test for pregnancy in their medical?
yes
Can I get maternity insurance alone?
Most insurance companies require full insurance coverage and not just for pregnancy. However, there are websites that assist if insurance is a financial burden. http://www.pregnancyinsurance.org/
Can your insurance company deny your insurance when pregnant?
Many health insurance policies have a maternity waiver. Meaning that pregnancy is not covered. ( Kind of a self inflicted injury type thing ) However, most companies will cover complications of pregnancy.
What insurance companies cover infertility?
Many insurance companies do not cover infertility unless mandated to do so. Many states have such mandates, but they apply to employers with 50 or more employees. Check out the laws in your state.You can purchase supplemental health insurance, which will cover your maternity leave and possible pregnancy complications.Good luck!
Is pregnancy preexisting in group health insurance?
Only if the pregnancy began before the insurance policy.
My girlfriend is pregnant if we get married will insurance cover the pregnancy?
Depends on the company. Most major companies would cover it. Smaller companies might not. Read your policy & see if it says anything or ask your employer.
How can i get travel insurance when pregnant?
In the USA you can still buy travel insurance while you are pregnant, however, normal pregnancy and child birth is a standard exclusion in all policies so any loss caused by pregnancy or child birth would not be covered. Almost all policies have an exception to this rule; they will cover complications of pregnancy as long as the complication is not foreseeable at the time of purchase. Complications of pregnancy is an insurance term that means more than a difficult pregnancy. One of the major companies defines complications as: "Complication of Pregnancy" means a condition whose diagnosis is distinct from pregnancy but adversely affected or caused by pregnancy. It does not include any condition associated with the management of a difficult pregnancy not consisting of a classifiable distinct Complication of Pregnancy.
Do any insurance companies have less than a 10 month waiting period for maternity coverage?
There are some insurance companies that offer a 9 month waiting period for short term disability insurance. You want to make sure to apply well in advance of your conception date anyway, just in case your pregnancy does not go full term.
Is pregnancy calculated from the day of conception or implantation?
Estimated due dates and pregnancy time lines are calculated from the first day of your last period.
Insurance vs pregnancy?
The companies that I know of that write insurance for children won't do it until the child is at least 14 days old. There are too many variables in pregnancy that can't really be broken down mathmatically, which is very important as far as insurance is concerned. If you are talking about insurance for yourself... you really shouldn't have any problems unless there have been complications. If there have been complications you're basically out of luck until after the child is born.
What are some companies that offer maternity insurance?
Most of your main insurance companies such as Blue Cross Blue Shield as well as State Health Care have maternity coverage. Some vary as to rather or not they cover the pregnancy if you obtain the coverage after becoming pregnant.
