NLIC.org

Larry Said:

Will my insurance cover pregnancy?

We Answered:

Yes. Group policies cannot exclude pregnancy as a pre-existing condition. It doesn't matter whether you had creditable coverage for maternity benefits.

Guy Said:

How does marriage affect insurance with pregnancy?

We Answered:

Because you and your fiance are currently pregnant, you and her will not be able to obtain a new "individual/family" policy.

However, if your fiance is currently a dependent under her mothers policy she will be able to contiune these benefits through COBRA (as long as the employer has over 20 employees). The reason for this is the clause that talks about transitioning from a dependent status to non-dependent status. Once she is your wife, she is no longer your mothers dependent - this qualifys her to continue her benefits for up to 36 months - plenty of time to deliver the baby.

Once the baby is delivered - you, your wife and child will need to get a policy.

http://www.dol.gov/ebsa/faqs/faq_consume…

Ryan Said:

Insurance cover pregnancy?

We Answered:

Yes they have to continue coverage!

Jack Said:

Does Aflac insurance cover pregnancy?

We Answered:

That depends upon your actual policy and the state you are in. Aflac does have policies that cover pregnancies but those policies will have a waiting period of 1 year before they'll pay out.

If the agent says it doesn't pay it probably doesn't.