• Certainly, through most health insurance companies, this is considered a change-of-lifestyle status. The best thing to do is contact your health insurance company, let them know that you will be getting married and that your fiancé is currently pregnant. They will inform you to contact either your Human Resources Department or Benefits Office to make the changes to your policy. On a related note, make sure that you contact your insurance company and Human Resources dept as soon as the baby is born so that the child can be added to the policy as well. Most insurance companies ask that this be done within the first 30 days after the baby’s birth.
  • Definitely check with the company for their specific rules for your exact policy. I want to point out, also, that if you can't get her covered under your plan, you might also want to check out her options for state coverage. In Florida, for instance, pregnant women automatically qualify for a coverage that is similar to Medicaid. There should be no reason to go through the pregnancy without any prenatal care coverage.
  • If the company doesn't take care of it, tell her to check with her local health department about getting medicaid. It will cover her and the baby with no out of pocket expenses. No need to get married just because she's pregnant and has no insurance.
  • I like the above answer, but hope your relationship blossoms in spite of this unexpected blessing. And he or she WILL be a blessing, believe me.
  • Not if there's a medical record around somewhere indicating that she's pregnant.
  • Some companies would call it a preexisting condition if they know about it. Lots of companies won't cover pregnancy for 2 yrs. I ran into this and thank God there was financial assistance available from my hospital and from my medical clinic.

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