Pregnancy Health Insurance

Pregnancy - group health insurance switch to another insurance company?

Question: I've now 5 month pregnant and I'm covered by my husband's company's health insurance, Cigna, for pregnancy. Now his company want to switch to another group health insurance company next month and I want to know if my pregnance still covered by the new insurance company? Or can I request to extend insurance coverage from Cigna until my sleep4you.com/sleep.php/84/baby.html'>baby is born to guarantee my pregnancy is covered?

Answer: You will be covered. There are federal regulations (HIPAA) which require a insurance co. to impose no pre exisitng condition limitations when a firm changes to a different company.

How to finance a pregnancy without health insurance and a S.S.N.?

Question: My wife and I live in the state of Alabama. We are foreign and do not have health insurance. Because I am the one working right now my wife does not qualify for a S.S.N. About a week ago we discovered that she is pregnant. I would like to know if anybody knows a good way of financing a pregnancy in these conditions. Are health insurance or paying everything the only options to pay the expenses of prenatal care and delivery? Worried father.

Answer: Most hospitals offer a program if you are paying for pregnancy/labor/delivery out of pocket. When we had our first daughter I had no insurance and made too much to get medicaid. The total cost was $3000 for a normal delivery. We slowly paid for it through out the pregnancy. In the end I had an emergency c-section and had to pay $15,000. I am still paying it off. Good Luck but even if you plan ahead of time unforseen things happen. By the way my sister did the same thing but had a normal pregnancy and didn't have to pay anymore than the $3,000. So check your local hospitals and see what they offer.

How to get Health insurance during pregnancy?

Question: I am 3 months pregnant and I plan on working through my pregnancy at least up to 7 months. I then would like to quit my job. I have health insurance now but I am not sure how to get it when I quit. I am not married yet to my fiance so his health insurance is not an option. I plan on being a full time mom for some time so I won’t be coming back to work. How do I find out where to get coverage for my self when I leave?

Answer: You would need to go on COBRA after you leave until the baby comes.