Insurance

[rivulet]

I'm looking at individual insurance policies. It's great fun, let me tell ya. I'm trying to decide if it's worth it. Here are the main points

Comments

[eris_devotee]

Under the 1996 HIPAA rules, pregnancy *cannot* be considered a pre-existing condition.

[rivulet]

True, but there are loopholes - for instance, it only applies to group health plans, and I'd be buying an individual plan. And there are grace periods once you switch individual plans, or go to a group plan from an individual plan, etc. I'd have to read up more on the laws by state and chat with the companies I'm considering to see what they have for grace periods.

Also, since I'm planning on using a midwife for prenatal care as well as the birth, I'm mostly concerned about whether an emergency transfer would be covered.

[eris_devotee]

Do you have coverage right now?

[rivulet]

I don't; my employer ended everybody's coverage at the end of November, with no option for COBRA or anything.