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Anyone work for Blue Cross & Blue Shield? Question about coverage!!!!?

I need to know if pregnancy is considered pre-existing. My fiance and I are getting married this month (November) and his job's insurance should be kicking in Dec 1st. I am about 14 weeks pregnant and would like to know if Blue Cross & Blue Shied will cover my medical costs once the insurance kicks in or will they consider this pre-existing and not give any coverage. Please if anyone works for this health provider and can provide any informantion on what can be done for coverage, your help will be greatly appreciated!!! Thank you ever so much in advance!!!

Public Comments

1. To answer your question: You really need to call the telephone number for your BCBS plan. They can answer whether it is pre-ex or not---again, it depends on the plan that was selected by your fiance's employer. Good luck!
2. If you got pregnant before you were covered under the policy then it is considered pre-existing. But if you are on a large group policy they will cover it anyway. If you got pregnant after the policy started then you are in the clear. Good luck! To be totally sure call up the number for BCBS customer service and they can tell you for sure. I just know because I work in the insurance industry.
3. I don't work for them, but I think that in some cases pregnancy is a pre-existing condition. If you haven't been to the doc yet, you might be in the clear. If you already have seen a doc, try anyway. Depending on the plan they may want to pick up the coverage to ensure that you get adequate prenatal care because it can reduce future costs later when your hubby puts the baby on his insurance. If that doesn't work, there are planned parenthood type places where prenatal care is on a sliding scale for those who don't have insurance, they will work with you to make sure you get the care that you and your baby need at a price that won't break your bank. Congratulations on the wedding and the baby and good luck :-)
4. It depends on if his policy has a pre-exsisting clause. If so, then apply for medicaid, you can't be turned down.
5. OK, first of all, BCBS has a bunch of different plans, so it's going to depend on your plan. Second, pregnancy doesn't start when you first get pregnant (surprise!) but when it's first diagnosed by a medical professional. So, if you haven't gone to the doctor yet, then it's not pre-existing. Thirdly, depending on how his insurance through his employer works, even if it IS pre-existing, it might cover the pregnancy. Also, if you currently have insurance in place for you, they will cover it, as you didn't have a lapse in coverage when you switched over.
6. If the group your fiance works for has less than 50 employees, it is governed by HIPAA federal law regarding maternity and pre-existing conditions. Per HIPAA, pregnancy cannot be considered a pre-existing condition if the group is defined as a small group. Be sure and enroll within 30 days of getting married or you can be denied coverage as a late enrollee, and won't be able to sign up until the renewal period.