Thursday, January 30, 2014

Why is Pregnancy a Pre Existing Condition?

If you have ever applied for health insurance while pregnant then you have likely had to ask your insurance agent, "Why is my pregnancy a pre existing condition?" Read on to get some guidance on what you need to know about pre existing conditions, pregnancy, and finding health insurance while pregnant.

Can You Get Health Insurance While Pregnant?

Usually if one becomes pregnant without medical insurance then they are not eligible for insurance coverage until after the pregnancy. There are some situations where someone who is pregnant can buy health insurance after they are pregnant but generally speaking if one chooses to get pregnant without maternity insurance or even regular medical insurance then they will stay without insurance until they have the baby.

Why Can't Someone Get Health Insurance During Pregnancy?

The reason why expectant mothers cannot purchase maternity insurance (and why even when one does purchase maternity before being pregnant and there are waiting periods) should be pretty clear when you consider the analogy of car insurance. Just like someone cannot go without car insurance coverage and then total their car in an accident and purchase comprehensive collision coverage after the fact to pay for the already totaled car one cannot wait until they are pregnant and then decide to get pregnancy insurance. The responsible thing to do is of course to buy a maternity medical plan before getting pregnant just like the responsible thing to do is to buy car coverage before getting in an accident and not after the fact.

What Options are Available for Those Who are Expecting?

While pregnancy is considered a pre existing medical condition just like other things that will will in all likelihood require medical attention there are still some options available for those who are already pregnant and without insurance. Discount plans, community medical care, and prepaid hospital plans are all things to consider.

If you are not yet pregnant then be sure that you find great maternity medical insurance ahead of time so that you can be covered. If you are already pregnant and without coverage then don't despair because although you are not in an ideal situation there are still options available to you.

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