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Can a health plan refuse to let me enroll because I'm pregnant?

ANSWER

No. In the past, insurance companies could turn you down if you applied for coverage while you were pregnant. At that time, many health plans considered pregnancy a pre-existing condition.

Health plans can no longer deny you coverage if you are pregnant. That's true whether you get insurance through your employer or buy it on your own.

However, if your plan is "grandfathered" -- it was purchased before March 23, 2010 -- or you have a short-term health insurance plan that provides less than 12 months of coverage, your insurer does not have to include maternity care in your benefits package.

 

From: Insurance When You're Pregnant: FAQ WebMD Medical Reference

Reviewed by Sarah Goodell on September 18, 2018

Medically Reviewed on 9/18/2018

SOURCES:

The American Congress of Obstetricians and Gynecologists: "Committee Opinion: Benefits to Women of Medicaid Expansion Through the Affordable Care Act," January 2013.

Medicaid.gov: "Pregnant Women."

Healthcare.gov: " "  Is My State Expanding Medicaid Coverage?

USDA.gov: "WIC Income Eligibility Guidelines."

Coverageforall.org: 2016 Federal Poverty Level.

Reviewed by Sarah Goodell on September 18, 2018

SOURCES:

The American Congress of Obstetricians and Gynecologists: "Committee Opinion: Benefits to Women of Medicaid Expansion Through the Affordable Care Act," January 2013.

Medicaid.gov: "Pregnant Women."

Healthcare.gov: " "  Is My State Expanding Medicaid Coverage?

USDA.gov: "WIC Income Eligibility Guidelines."

Coverageforall.org: 2016 Federal Poverty Level.

Reviewed by Sarah Goodell on September 18, 2018

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Can health plans charge you more if you are pregnant?

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