Will maternity insurance cover me if I get pregnant before the 365-day waiting period?

Question by Tonya: Will maternity insurance cover me if I get pregnant before the 365-day waiting period?
My husband-to-be and I were planning to start trying for a baby after our wedding this December. We didn’t know that our insurance company (BCBS) required a 365-day waiting period on maternity before they would cover costs. If I end up pregnant but the baby isn’t actually born until the waiting period is over, will the insurance company cover the hospital bill? Or is this considered pre-exisiting and voids the insurance? I’ll be talking to my agent this week, but I was just wondering if anyone knew.

Best answer:

Answer by Franky D
That is a better question for them and get the answer in writing.

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3 Comments to “Will maternity insurance cover me if I get pregnant before the 365-day waiting period?”

• October 29, 2010 at 8:17 pm
  MargieD says:

  what part of Waiting Period do you not understand?

  Reply
• October 29, 2010 at 9:08 pm
  Lisa says:

  No it would not be covered. It would be considered a pre-existing condition if you conceive prior to the 365-day waiting period being up and no part of the pre-natal appointments or birth would be covered.

  Reply
• October 29, 2010 at 9:51 pm
  Jim says:

  healthquotes.awardspace.info – try this one. My sister had no problem with her insurance coverage while being pregnant.

  Reply