Maternity Insurance

Try Maternity Card. They assist in getting you good rates.

You can get on Soonercare through the state. Just go to the DHS office and fill out the paperwork. It's very easy and they have to provide you with the insurance!!

Yeah, the last lady is right. Pregnancy isn't a pre-exisiting condition. My husband got a new job when I was 5 months pregnant and I'm pretty sure it's illegal for them to deny care to an expecting mother.

oh wow, let me know if you find something because my husband is work from home also, so we've been self insuring also, and everything we've found not only wouldnt accept it as a pre-existing but there is a 90 day wait and a pregancy test just to make sure you're not trying to get one over on them.

HealthAlliance offers an HMO plan that will give coverage for maternity, if it is pre-existing I believe they cover 50%.

Call Ryan at Cole, Paine & Carlin insurance. A great agent who can help you get covered.

You can go apply for state insurance. I believe that if you are pregnant and do not qualify for insurance through work you can qualify for soonercare. They have good doctors too because I had to use it with my second pregnancy.

Yep under the federal HIPAA Law, pregnancy cannot be considered a preexisting condition. However, do expect to pay a huge premium for any insurance that will cover maternity.

This site gives an overview of several individual insurance companies.
https://www.ehealthinsurance.com/ehi/Alliance?allid=Yah26...

Here is an overview of HIPAA
http://www.cms.hhs.gov/HealthInsReformforConsume/Download...
Frequently Asked Questions and Answers about
HIPAA
About Pre-Existing Condition Exclusions
Q: Are there any situations in which exclusions are
completely prohibited?
A: Under HIPAA’s group market rules, there can be no
pre-existing condition exclusion for pregnancy, no
matter when pregnancy began and whether medical
advice, diagnosis, care or treatment was recommended
or received for the pregnancy. An exclusion cannot be
applied to you even if your previous health plan did
not cover pregnancy.

Pregnancy is NOT considered pre-existing condition as it is not an ongoing medical condition. I would fight that if I were you.

If you don't qualify for insurance go apply at your local state office. They will give you insurance and depending on your income you could get free or really cheap copays. My friend was in the same situation a couple of years ago.

There is some confusion between group plans and individual plans. If you went to work for an employer and qualified for their group insurance - then your pregnancy would be covered. But when you are applying for individual plans, they can exclude all types of pre-existing conditions, including pregnancy. There is nothing you can "fight" - you just don't buy thier insurance. It will be difficult to find an individual/family plan (many have a ONE YEAR wait before you can become pregnant). State benefits may be your best bet, then apply for medical insurance as soon as your baby is born. PS congratulations - sorry so much stress to start your preg!