I had to move to Utah. She has been covered with health insurance for more than 2 years without gap. I tried to purchase an individual health insurance for her and it was denied because she is pregnant.
Insurance - 3 Answers
Random Answers, Critics, Comments, Opinions :
1 :
Yes, they can deny her because it is a "pre-existing" condition. If you have her under a prior group policy, it would be almost necessary to get her under a new group policy or COBRA, as almost all new individual policy's will exclude coverage for her current pregnancy.
2 :
Surprisingly when you try to purchase a policy on your own a health insurance company can deny you for any reason. You can not be denied if it's a group policy (ie through your employer) Because your wife is pregnant she can get free or cheap insurance through the state that will cover both her and the baby while she is pregnant and at least the baby once she delivers.
3 :
Yes, they can deny for ANY reason, but pregnancy is a common reason. It's VERY hard to find individual health insurance when you're pregnant. Can you add her to your policy through your work? That's the way to do it.
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