denied health ins because of miscarriage?
Hi all...
I have posted a couple of times in the last few days. Thank you for your replies. Obviously we are scrambling to get things taken care of. I'm almost 5 weeks pregnant, and my husband lost his job (on his birthday) 2 days before we found out about this pregnancy. We absolutely in no way can afford the cobra plan, and are now applying for individual insurance (just for me because of this pregnancy). But I have had a miscarraige in the past... My question is... Will that miscarriage (4 months ago) mean I could be denied health insurance? All I've heard is that they can't hold pregnancy as a pre-existing condition. Thanks. : ) D in Oregon |
denied health ins because of miscarriage?
Leinweber wrote:
Hi all... I have posted a couple of times in the last few days. Thank you for your replies. Obviously we are scrambling to get things taken care of. I'm almost 5 weeks pregnant, and my husband lost his job (on his birthday) 2 days before we found out about this pregnancy. We absolutely in no way can afford the cobra plan, and are now applying for individual insurance (just for me because of this pregnancy). But I have had a miscarraige in the past... My question is... Will that miscarriage (4 months ago) mean I could be denied health insurance? All I've heard is that they can't hold pregnancy as a pre-existing condition. I can't imagine why they would do so. As devastating as they are personally, miscarriages are *very* common (at least early ones are) and rarely indicate likely problems in the future. Also, how would they even know? I'd be somewhat surprised if it showed up on a questionnaire, unless it showed up as a question about recurrent miscarriages or fertility issues or something like that, which obviously wouldn't apply. Best wishes, Ericka |
denied health ins because of miscarriage?
It did show up on the paperwork ("c-section or miscarriage" Then they do
extensive underwriting and collect all my medical records from the last 5 years and try to find any reason they can to deny me... Obviously, i'm not feeling very hopeful about this. So, I've also applied for OHP/Medicaid for pregnant women, just in case. : ) D "Ericka Kammerer" wrote in message ... Leinweber wrote: Hi all... I have posted a couple of times in the last few days. Thank you for your replies. Obviously we are scrambling to get things taken care of. I'm almost 5 weeks pregnant, and my husband lost his job (on his birthday) 2 days before we found out about this pregnancy. We absolutely in no way can afford the cobra plan, and are now applying for individual insurance (just for me because of this pregnancy). But I have had a miscarraige in the past... My question is... Will that miscarriage (4 months ago) mean I could be denied health insurance? All I've heard is that they can't hold pregnancy as a pre-existing condition. I can't imagine why they would do so. As devastating as they are personally, miscarriages are *very* common (at least early ones are) and rarely indicate likely problems in the future. Also, how would they even know? I'd be somewhat surprised if it showed up on a questionnaire, unless it showed up as a question about recurrent miscarriages or fertility issues or something like that, which obviously wouldn't apply. Best wishes, Ericka |
denied health ins because of miscarriage?
If you need to, there are often "high risk" or "major risk" insurance plans
available through the big insurance companies like Blue Cross, Blue Shield, Kaiser, etc. I was able to get into Kaiser with pre-existing conditions a few years ago. I'm not sure how they are found, as my Mom did the research on that, but I believe she found it through the state programs. I do believe that someone in the companies can find the information for you, as well. Best of luck! |
denied health ins because of miscarriage?
|
denied health ins because of miscarriage?
We absolutely in no way can
afford the cobra plan, and are now applying for individual insurance (just for me because of this pregnancy). How much research have you done? Most of the individual plans I checked out didn't even offer maternity coverage. And if they did, it was hundreds more and you weren't allowed to get pregnant for 2 years after start of coverage. Have you applied for medicaid? Sounds like you'd be eligible since DH has no job. |
denied health ins because of miscarriage?
We are applying for Lifewise, which I can get coverage (including they pay
80% of maternity with no waiting periods) for about $129 a month in my area (of Oregon). I used ehealthinsurance.com (I believe). Many have 12 months waiting periods, but I picked out the ones that didn't. We are expecting paperwork in the mail for some sort of OHP/Medicaid type of program for pregnant women, we will fill that out also and see who will take me. I've been declined health insurance in the past, so i'm afraid that alone will be enough reason Lifewise wont take me. Thanks again. : ) D "Rosegin" wrote in message ... We absolutely in no way can afford the cobra plan, and are now applying for individual insurance (just for me because of this pregnancy). How much research have you done? Most of the individual plans I checked out didn't even offer maternity coverage. And if they did, it was hundreds more and you weren't allowed to get pregnant for 2 years after start of coverage. Have you applied for medicaid? Sounds like you'd be eligible since DH has no job. |
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