Insurance co. is not covering a pre-existing pregnancy, becuse spouse was laid off? We paid the insurance not the co. Can they do that?

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Insurance co. is not covering a pre-existing pregnancy, becuse spouse was laid off? We paid the insurance not the co. Can they do that?

I found out that I was pregnant Dec of ’08 and my husband was laid off in March of ’09.  I started to go to the doctor right away. I found out the amount that I would need to pay for the pregnancy, and I paid almost everything off.  Today I find out that i am not covered under the policy anymore, even though I was told because it was a pre-exsiting condition that I would be covered. What can I do?

Asked on June 11, 2009 under Insurance Law, Texas

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 12 years ago | Contributor

Ok, clarification ofinformation is necessary to help with this question.  I assume that your husband was covered under Group Health Insurance before he was laid off.   Did you continue his plan under COBRA (which is a Federal Law that allows a party to continue to obtain the group health insurance you had at the group rate after termination)?  You would have had to pay for the plan and your rights to pay for should have been explained by your husband's employer's personnel department.  Did they?  I am unsure when you say you paid almost everything off for the pregnancy what you mean and who you paid.  Pregnancy is not considered a pre-existing condition under the HIPAA law.  I think that you should go and see an attorney right away.  It sounds as if you may have been railroaded.  You can look here at attorneypages.com.  Good luck.   


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