What Happens With Your Health Insurance When You Change Jobs And Your Wife Is Pregnant?
When you leave one employer and your insurance terminates, you should be offered COBRA coverage which you will have to pay for until your coverage with your new insurance with your new employer kicks in. The COBRA will not be cheap, since you will have to pay 100% of the premium without the benefit of the employer paying their share. But the pregnancy can not be considered pre-existing with group insurance.
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You would have to check with the HR department- sometimes, a company is really flexible and allows you to purchase extra months. To be honest, most companies do not care if your wife is pregnant or not- if your insurance lapses, you will unfortunately have to pay out of pocket. Sorry.
You are screwed…..sorry The good news is you can negoitate your baby’s birth with the hospital business office…I use to work in one. If you get the heck out of the hospital within 8 hours you get a BIG discount. But your wife has to be ok with no problems….They wrap up baby and wheel you out. Pluse they take Visa and MC!!! You can charge the birth of your child. You are not entitled to welfare, since you are working. You and your wife could divorce and she could go on welfare…Charge it! Pregnancy is pre existing!!
I am looking into this and the only for sure solution I can come up with is pay the extremely high Cobra. We want to wait until she is due to move, but we may have to. At my work Cobra is like $1000 a month to cover my whole family with the same great coverage that I always had.
I would say take Cobra. There is other ways to bend the system, but it’s too complicated.
The law in my state and many others do not allow insurers to consider pregnancy a pre-existing condition.
If you are lucky, the new insurer will pay the claim and then subrogate a portion to the former insurer. It will be seemless and behind the scenes so you won’t even know it.
You are still covered by your previous employers insurance for about 30 days. After that time it cancels and COBRA kicks in unless you have coverage with your new company. If you have supplemental disability then you can keep it and just pay the premiums.
If you cannot afford health care for your wife. There are community health clinics that help people with no medical insurance.
I get assistance at my hospitals charity care plan.
You can get 25 percent, 50 percent, or 100 percent coverage
Well, theoretically, nothing. Either you transfer over to your new insurance with the new employer, or you take the Cobra coverage with the old employer.
actually it might be considered a preexisting condition and not be covered, i would call your would be insurance and ask
She is still covered, as are you, as long as there is no lapse in coverage.