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Maternity Insurance No Waiting Period Question & Answers

2013 September 9
by Sarah Fields

Steven asks…

Is there any health Insurance plan covering Maternity Benefits with min. waiting period?

I’d like to have a insurance plan covering maternity benefits.Mas Bupa is offering one plan but the waiting period is two years.So anybody know any other plan with lesser waiting period.

Sarah Fields answers:

Dude, try Apollo Munich Insurance, as they have a 1-year cover for Maternity and Accident and you don’t even need to be a premium member.

Daniel asks…

How long after I buy my maternity insurance can I conceive?

Sorry in advanced for being so long winded…
When applying for health insurance with maternity coverage with BCBSFL it says two things. The first being “Maternity Coverage must be in effect 30 days prior to conception.” and the second being “I agree to allow Blue Cross and Blue Shield of Florida, Inc. to select my coverage effective date as the first available effective date that occurs on or after the underwriting decision date. Available dates are the 1st and 15th of each month.” there is an option to say no to the second statement but the earliest date is the 1st of February. The thing is that my fiance and I are getting married on March 2 and would like to conceive during the honeymoon. My question is: 1) if there is a waiting period and we do conceive in that waiting period would we still be covered for everything after the insurance kicks in and just pay for everything before that or will the coverage just be voided and considered a ‘pre-existing’ condition? 2) if we decided to just wait for the coverage to kick in, how long would it be until we could conceive?

Sarah Fields answers:

Sounds like it takes up to about 2 months for the coverage to kick-in. A couple of weeks to get an underwriting decision, up to a couple more weeks for the 1st or 15th to roll around (if they decide on the 16th, for example), then the 30 day waiting period.

Pre-existing conditions (meaning you’re pregnant or nearly so already) generally aren’t covered under insurance. If you’re not covered within the terms (can’t be pregnant for 30 days after the approval date), none of the maternity care will be covered, even after the waiting period elapses.

Bottom line, don’t cut it close. Get on the health insurance as soon as you can. As in now……based on the approval date, you may want to reconsider the plans for honeymoon conception. Conceiving a month later won’t make any difference in the grand scheme of life, but getting stuck paying thousands out of pocket could.

Final thought: you don’t get to pick the day or week you conceive anyway. Using no birth control whatsoever, having lots of unprotected sex while you’re ovulating (if you’re even ovulating at all during your honeymoon), odds of getting pregnant in any given month while you’re trying is only about 25%. You really don’t get to pick.

Congrats and good luck!

Sandy asks…

Is there a waiting period from the time you buy insurance until the time you can get pregnant?

My husband and I are thinking about having a baby but I don’t have health insurance. Is there a waiting period from the time you buy health insurance until the time you can get pregnant so that an insurance company will cover the pregnancy? If so, how long is the wait?

Sarah Fields answers:

MaternityCard.com provides a solution for uninsured, expecting mothers, saving them as much as 60% off their maternity bills. Best of all, you can get all the benefits of Maternity Card PPO even after you are already pregnant!

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