Blue Cross Blue Shield Insures Pregnant People?

dgoldenz · 04-13-2009, 02:14 PM

I just got off the phone with CareFirst Blue Cross/Blue Shield regarding maternity benefits on their plans, and the woman I spoke with said that it is possible depending on medical history for pregnant women/expectant fathers to get insured under their HMO HSA-compatible plan (which has no waiting period for maternity benefits). Has anyone ever had a case issued on someone who is currently pregnant? That just seems like stupid business from an insurance company's point of view....

somarco · 04-15-2009, 08:18 AM

It is stupid.

Doesn't mean there aren't carriers out there doing it.

thereaper · 04-15-2009, 03:27 PM

Originally Posted by dgoldenz

I just got off the phone with CareFirst Blue Cross/Blue Shield regarding maternity benefits on their plans, and the woman I spoke with said that it is possible depending on medical history for pregnant women/expectant fathers to get insured under their HMO HSA-compatible plan (which has no waiting period for maternity benefits). Has anyone ever had a case issued on someone who is currently pregnant? That just seems like stupid business from an insurance company's point of view....

Group Yes
Individual No

dgoldenz · 04-15-2009, 04:11 PM

Originally Posted by thereaper

Group Yes
Individual No

Are you sure? That's not what I was told.

somarco · 04-15-2009, 04:43 PM

Reaper is right. Didn't have my ginkgo today. Group was not in my thought process.

TXINSURANCE · 04-15-2009, 04:48 PM

Group unless it is BCBS MI or a GI state.

thereaper · 04-17-2009, 12:03 PM

Originally Posted by TXINSURANCE

Group unless it is BCBS MI or a GI state.

GI I can see, but you're saying BCBSMI will accept a pregnant woman on an individual? Never seen any company accept a pregnant woman who has to be medically underwritten, but then again I'm not in Mi anymore, but I did sleep at a holiday inn express last night.

GetInsurance · 04-17-2009, 12:12 PM

BCBSMI will accept a pregnancy, but there is a 6 month waiting period on all pre-ex including pregnancy. She/he could be up to 3 months pregnant when applying to get the delivery included.