My rollern coaster ride continues!!!!!!!!!!

[JVKn'CVO 11]

Congratulations!

Saludos,

Caro

[We_Destiny 1]

My insurance has a 6 month pre-exsisting clause. So 6 months after you are enrolled in the plan, they will cover whatever the situation warrants. I am not sure what your plan will or will not cover, but, it would be wise for you to find out before she arrives.

[tigbok2 0]

i beg to differ sir, what kind of health insurance do u have that wont cover this kind of change in insurance coverage for a person

ymmv,

f

Thanks everybody for the good wishes....im hoping that the process goes by faster then the pregnancy so that i could put her in my insurance...if im not mistaken, the whole process takes 6-7 months but she might arrive here before then...we'll have o wait and see..but i am extremely excited!!!!!!!!!

Hi Byron,

Even if you get your GF/Fiancee' to the USA...AND if you marry her before the baby is born...you health insurance will NOT cover any event or "pre-existing condition." Insurance companies are not in the practice or business of providing coverage for "retroactive" events. Think of it this way...you are not going to get automobile insurance to cover an accident that you had last month with your car.

Insurance companies are not interested in "buying a claim" that for sure must be paid. Once she is your wife and added to your health insurance plan and you begin paying additional premium for her coverages...then claims after that will be paid according to the terms of the policy. For example, if a person has diabetes as a "pre-existing condition," they are not going to get coverage for their insulin. Diabetes will be excluded. However, if the same person is injured in an automobile accident, those injuries would be covered. Consequently, if your (then) wife gets pregnant AFTER you are married for your second child...then, you will have coverage for maternity.

Sincerely...and many good wishes!!! I am very happy for you.

Craig

[BYRON-LEIDY 0]

I wasnt really concerned with the whole insurance thing. Someone brought it up and it took a life of its own. Now if she could be hefre and we could get married and her name added to my insurance then it would be much better. I live in Manhattan and i have Lenox Hill hospital three blocks away, so it would be nice!!!!!!!

[Mel_and_Daniel 1]

Spending energy worrying about insurance issues is a waste of energy if you ask me, I'm sure everything will work out just fine! Congrats on becoming a daddy! Just enjoy the ride!