My question is what if you recoently purchased health insurance and you were only a few weeks pregnant and found out after the fact. Will the health insurance company void coverage on maternity care?
Insurance - 4 Answers
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1 :
No, when obtaining insurance you are giving your answer true to the best of your knowledge. Since you did not obtain the insurance with the intent to defraud the insurance is still good.
2 :
You have not deliberately defrauded the insurance company, so you have done nothing wrong. However, there may be waiting periods on your insurance coverage for certain things like this. You need to check out the conditions of your policy to see if you are eligible. If unsure, ring your insurer
3 :
That's why there are waiting periods for maternity riders. Normally, when you purchase a private maternity policy in the US, it won't actually cover any maternity expenses for a specified waiting period (usually 10 months to a year). This is to prevent any possibility of covering a pregnancy that existed when the policy was purchased. So, the health insurance portion of your policy should still be valid. But you wouldn't have coverage for maternity expenses. You should review your policy and/or contact your insurance company to confirm what the waiting period on your policy is.
4 :
That depends on the terms of your specific policy plan. The devil is in the details
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