Pre-existing?
Okay we applied for Healthy New York medical insurance. It is by Community Blue but have lower premiums for small business owners. My cross-question is I a short time ago found out that I am more or less 5 weeks pregnant. The doctor will not want to see me until I am 8-9 weeks (around the finale of September). My insurance will switch on September 1st, however I get pregnant the concluding week of July when I be not covered. Since I never saw a doctor and won't until I am covered will this pregnancy be considered pre-existing?
Answers:
I reckon you are OK and here is why...
I looked at the application you completed for this program (let me know if it is not the right one - I put the relationship lower than sources)
1. You did not know you be pregnant when you signed up.
2. The application did not ask any medical question - they did ask if you be pregnant, but lone so they could donate another character to the policy rate.
I would ring up them and permit them know (1-866-432-5849)
I do not suggest that they will deny you medical coverage because you be already pregnant. Usually the pre-existing condition go toward chronic diseases that might disqualify you from getting an insurance policy.
Yes it will.
Yes, it will - unless you're currently covered by strength insurance whcih covers pregnancy, and in recent times SWITCHING to the strange company.
I do not know the correct answer, but I know that the answer in the region of "chronic diseases that might disqualify you from getting an insurance policy" is wrong here grip. The sound out deal near New York. NY does not allow people from 19-64 (I assume not a soul is pregnant after the age of 64) to be excluded due to chronic diseases. By the style, this directive also make NY insurance so expensive that the seemingly "low" premiums beside Healthy NY years ago be already more than I am paying very soon contained by California minus man a small business owner, and roughly what a colossal business would own rewarded (per person) for a group plan surrounded by NY.
A pre-existing condition mode you would own to be treated for it BEFORE you be covered beside your up to date plan. If you are pregnant but never saw a doctor than it is not pre-exising. Insurance companies cannot remnant pre-existing standards on symptoms that you have in the past treatment in need a diagnosis, There is no agency for them to investigate the condition if you never saw a doctor for it.
I don't know the specifics of the Healthy New York plan.
However, *in general*, it is possible for a plan to not cover motherliness stuff at the start of a policy. (This is done to prevent individuals from waiting until they are already pregnant to make a purchase of condition insurance.) What would occur is that average pregnancy related conditions would not be covered for 270 days from the date that the policy begin. In other words, lately adequate of a time time of year to sort sure that the woman wasn't pregnant when she signed up.
Generally, surrounded by a overnight case approaching that, medical complications of pregnancy/delivery would still be covered. (Ex - you're surrounded by the hospital deliver your infant and winding up up have a stroke...the insurance policy would still cover the treatment of the stroke even though it happen during a non-covered assignment.) But the regular prenatal and transport charges would be excluded.
The merely instrument to know whether or not your specific policy will exclude your pregnancy is to review the policy documents once they are sent to you. If near is an exclusion for the service, it should be stated somewhere surrounded by the policy.
(And, obviously, as someone mentioned...if a personage be transfering from one group policy to another, pregnancy roughly wouldn't be considered pre-existing. There are purely exceptions and quirk that come along beside purchasing your own policy fairly than going through a big employer group.)
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Answers:
I reckon you are OK and here is why...
I looked at the application you completed for this program (let me know if it is not the right one - I put the relationship lower than sources)
1. You did not know you be pregnant when you signed up.
2. The application did not ask any medical question - they did ask if you be pregnant, but lone so they could donate another character to the policy rate.
I would ring up them and permit them know (1-866-432-5849)
I do not suggest that they will deny you medical coverage because you be already pregnant. Usually the pre-existing condition go toward chronic diseases that might disqualify you from getting an insurance policy.
Yes it will.
Yes, it will - unless you're currently covered by strength insurance whcih covers pregnancy, and in recent times SWITCHING to the strange company.
I do not know the correct answer, but I know that the answer in the region of "chronic diseases that might disqualify you from getting an insurance policy" is wrong here grip. The sound out deal near New York. NY does not allow people from 19-64 (I assume not a soul is pregnant after the age of 64) to be excluded due to chronic diseases. By the style, this directive also make NY insurance so expensive that the seemingly "low" premiums beside Healthy NY years ago be already more than I am paying very soon contained by California minus man a small business owner, and roughly what a colossal business would own rewarded (per person) for a group plan surrounded by NY.
A pre-existing condition mode you would own to be treated for it BEFORE you be covered beside your up to date plan. If you are pregnant but never saw a doctor than it is not pre-exising. Insurance companies cannot remnant pre-existing standards on symptoms that you have in the past treatment in need a diagnosis, There is no agency for them to investigate the condition if you never saw a doctor for it.
I don't know the specifics of the Healthy New York plan.
However, *in general*, it is possible for a plan to not cover motherliness stuff at the start of a policy. (This is done to prevent individuals from waiting until they are already pregnant to make a purchase of condition insurance.) What would occur is that average pregnancy related conditions would not be covered for 270 days from the date that the policy begin. In other words, lately adequate of a time time of year to sort sure that the woman wasn't pregnant when she signed up.
Generally, surrounded by a overnight case approaching that, medical complications of pregnancy/delivery would still be covered. (Ex - you're surrounded by the hospital deliver your infant and winding up up have a stroke...the insurance policy would still cover the treatment of the stroke even though it happen during a non-covered assignment.) But the regular prenatal and transport charges would be excluded.
The merely instrument to know whether or not your specific policy will exclude your pregnancy is to review the policy documents once they are sent to you. If near is an exclusion for the service, it should be stated somewhere surrounded by the policy.
(And, obviously, as someone mentioned...if a personage be transfering from one group policy to another, pregnancy roughly wouldn't be considered pre-existing. There are purely exceptions and quirk that come along beside purchasing your own policy fairly than going through a big employer group.)