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Medical Insurance-Blue Cross?

If I'm five months pregnant, can I purchase Medical insurance, right now? Would I be denied due to being pregnant?

Public Comments

1. You would not be denied but since you have a prexisting condition your pregnacy would not be covered unless Blue Cross will allow it.
2. I know you dont want to hear this, but in most all states, you can not obtain health insurance once you are pregnant. Also, in most states, the expecting father can not obtain health insurance either.
3. Oh, if you're relatively healthy, you'll be able to BUY it, they'll just exclude coverage for the pregnancy - it's a preexisting condition.
4. I can't think of a single insurance company that will cover your pregnancy at this point.
5. Contact the agent
6. If you are looking for individual coverage, the answer is no - in most cases. Pregnancy can't be considered a pre-ex if you show evidence of prior coverage in the last 63 days. Since you were pregnant then, I can't believe that you would have cancelled or let lapse another insurance policy, so you are most likely not going to get coverage this way. Some companies will decline you for coverage, where other companies will exclude the pre-ex. Either case is not good for you. Group coverage, in most states is guaranteed issue - they can't decline you, rate you, or exclude any pre-ex. You have to be working for somebody that offers group health coverage in order to qualify. If these two scenarios do not fit your situation, then I suggest that you contact your State's CHIPS program. It is a welfare program that is designed to ensure that all children, and in most cases, pregnant women have appropriate health care. Coverage qualifications include income, so you may be able to get coverage for free, or a small monthly premium contribution.
7. I am not sure what state you are from but in Minnesota, pregnancy is an automatic denial when it comes to individual health plans issued by private carriers. You would be eligible for coverage once the baby has been born but the infant could not be added until it is 90 days old. You may want to call a local independent agent or the local Department of Human Services to see about the health plans available in your state. For example, the state of Minnesota has a plan called MCHA to cover all those who do not qualify in the standard market. All you need is a rejection letter from a private carrier. The premiums are higher but it would provide you with the coverage that both you and your baby will need.
8. You will be denied due to the pregnancy. You can get covered on a group policy if you or your spouse works for someone that offers group health. And, pregnancy cannot be considered a pre-existing condition as a part of Federal law if the group has between 2 and 50 employees. Other than that, you probably need to see if you can get some assistance with the state you are in. Good luck, and congratulations!