NLIC.org

Steven Said:

Did your medical insurance cover your pregnancy?

We Answered:

very little, i had that with my 1st, the even covered a breastpump that was over 300.00, i think i haqd some 20.00 co-pays after my son was born,
but they covered all my midwife care, would have covered the birth there, but i ended up going to the hosp, they covered everything there plus my 3 day stay, and 2 weeks later covered my US to check for retained placenta, and my hosp stay and blood transfusions after my emercency D&C to remove the placenta.

it was very good coverage

they also covered my son for the 1st mth of his life, so if he had needed NICU care it would have covered that, and it covered his well baby checks

EDIT: i remeber what co-pays i had while PG it was ONLY for chiropratic care, i had to give them a 20.00 at every appt, but the rest was covered

call the insurance they will send or email you a packet that tells you what IS and what is NOT covered.
like if i had needed a csection that was only 80% covered.

Kristina Said:

How hard is it to get medical insurance with a pre-existing condition (such as pregnancy).?

We Answered:

If you are a citizen of Canada, Great Britain or ....... heck, anywhere but the US, no problem.

If you are a US citizen, don't bother asking.

Reginald Said:

Is male pregnancy covered by medical insurance?

We Answered:

No. Voluntary procedures that require major intervention to occur - including male pregnancies and sex change operations, are not covered.

Nina Said:

Can a pregnant women get a medical insurance?

We Answered:

On the open market, no. It’s a preexisting condition unfortunately.

If you or your spouse can get it through your employer and you opted out before, you can sign up for it during open enrollment (which starts next month for most companies) and your coverage will kick in on 1/01/09.

Otherwise, if your income is low enough, you might quality for your state’s Medicaid. Google “Medicaid + [your state]”

http://www.health.state.ny.us/health_car…

Edit: Found income requirements, and it looks like you're over. http://www.health.state.ny.us/health_car…

Hospitals do allow you to set up payment plans, and there are generally heafy discounst when you're paying out of pocket.

Herbert Said:

is unexpected ectopic pregnancy not covered by medical insurance even if I had my tubal ligation 7 yrs ago?

We Answered:

I'm not sure how it works in Canada, but in the U.S., persistence, documentation from your doctor, and careful record-keeping can help you cut through insurance red tape. If you received word that you are not covered by mail, call the customer service phone number provided to you. Talk to a human being and find out why you're not covered. If you don't get a satisfying answer, ask to speak with a supervisor. Ask if there is an appeal process. Document every phone call, and get the name of every person you speak with.

It may take a lot of time and effort to fight, but you are in the right! I'm sorry you have to deal with this, and good luck to you!