Can an insurance company deny my family health care because I’m pregnant even though I’m not in the plan?
PrivateHeathCareSucks asked:
I have my own health insurance and my husband and kids were looking at health insurance just for them, and because I’m pregnant they were denied even though I would not be on the same plan or even get my health care insurance from the same company. How does my pregnancy allow a company to deny health care to my two boys?
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I have my own health insurance and my husband and kids were looking at health insurance just for them, and because I’m pregnant they were denied even though I would not be on the same plan or even get my health care insurance from the same company. How does my pregnancy allow a company to deny health care to my two boys?
April 28th, 2009 at 5:37 am
An insurance company can refuse to write a policy, for ANY REASON. They don’t have to take you, because you’re wearing green socks. They don’t even have to give you the REASON why they aren’t writing you.
I don’t know what the reason is, but typically, they will not write a policy on ANYONE when there is a pregnancy in the immediate family, until after the birth.
Likely, it’s because of the exposure to the potential costs of the new baby – that first year of life and the last year of life, are where insurance companies spend the most money.
April 29th, 2009 at 10:31 am
Under federal law, when you deliver, if the father of the child has health coverage (group or individual) they insurance company is required to add the baby on the date of birth. So if you have a NICU baby, they would be required to cover it and the costs involved. And since they don’t take chances, they refuse to cover the mother and the father.
However, they will normally cover the siblings. Reapply, asking just for coverage on your sons.
May 1st, 2009 at 3:51 pm
Second person has excellent answer.
May 4th, 2009 at 7:07 am
Yes, the 2nd answer is the answer. Even if you weren’t married he wouldn’t be able to get coverage.
I have a friend of a friend who just spent $750,000 for a month in the hospital for their newborn. They had insurance, but that illustrates why the insurance company doesn’t want to take on the risk.
May 5th, 2009 at 5:24 am
They are not denying your sons health care, they are denying them health insurance. I am guessing that your boys can qualify for insurance on individual child only policies. Your husband will be denied a policy because most states mandate that a newborn dependent be covered from the moment of birth. This is a huge risk to the insurance company. He should re-apply after your newborns 6 week checkup.
Good luck.
Don
May 6th, 2009 at 11:32 pm
You can apply for state insurance and most states will cover you and your children while you are pregnant. It may not be ideal, but it’s better than paying for it all yourself.
May 8th, 2009 at 6:46 am
Be honest,It is gonna take some time to find the answer for your question.Try to have a look the resource here for reference.