h********e
发帖数: 312 | 1 LD刚工作不久，我呢，还有几个月就要毕业了，现在很想要个宝宝，学校的保险不错，
老公的单位的配
偶保险也可以，现在的问题是，我如果用了学校的保险，几个月后毕业的时候，孩子还
没下地，换了新
的保险，是不是新保险不能给我cover我和baby的保险呀，还有如果此时就开始用老公
的保险，万一
10个月内LD换了工作，新保险是不是不cover我的preganacy？
问题很弱，之所以想到是知道很多保险不能保那个买保险之前的condition,比如你有了
什么病再去
买，保险不能cover的，不知道怀孕这种情况怎么算，谢谢xdjm们了。 | h********e
发帖数: 312 | | h********e
发帖数: 312 | 3 网上查到的，还是不是很清楚，我在找工作，但是不确定什么时候会有工作
When you are unemployed and already pregnant with no insurance, it is
extremely challenging to find individual health insurance that will insure
you. Or you may get insured, but the policy will not cover maternity costs.
Fortunately, you've got options:
Consider getting a job that offers good health insurance plan. Make sure you
fully understand the employer's health insurance plan before accepting a
job. Some companies may require you to be employed for 30 days or more
before you become eligible for coverage.
This may be fine if you are in the early stages of your pregnancy and don't
mind paying for a couple of pre-natal visits. However, this could pose a
major problem if you are nearing your end term.
If you are changing jobs you can not be denied health insurance at your new
job just because you are pregnant. The Federal Law HIPAA (Health Insurance
Portability and Accountability Act) states that pregnancy can not be
considered a pre-existing condition if you were previously covered by group
health insurance.
If prior to your new job, you didn't have maternity health insurance or were
covered by individual insurance, you do not qualify for protection offered
under HIPPAA. This means that you may be subject to pre-existing Condition
waiting period under your new employer's health insurance policy.
You may be eligible for maternity health insurance under COBRA (Consolidated
Omnibus Budget Reconciliation Act) through your previous employer. This
will cover you for 18 months, provided you apply for the benefits before the
60-day application period expires. However, this will generally require you
to pay the full premium (plus 2% administrative cost). You may find this
pricey, but definitely better than not having any insurance at all. | y********e
发帖数: 8315 | 4 group保险会cover怀孕的，跟自己买的不一样
你要是实在不确定的话可以去问下你老公单位的HR
基本上没关系
【在 h********e 的大作中提到】
: LD刚工作不久，我呢，还有几个月就要毕业了，现在很想要个宝宝，学校的保险不错，
: 老公的单位的配
: 偶保险也可以，现在的问题是，我如果用了学校的保险，几个月后毕业的时候，孩子还
: 没下地，换了新
: 的保险，是不是新保险不能给我cover我和baby的保险呀，还有如果此时就开始用老公
: 的保险，万一
: 10个月内LD换了工作，新保险是不是不cover我的preganacy？
: 问题很弱，之所以想到是知道很多保险不能保那个买保险之前的condition,比如你有了
: 什么病再去
: 买，保险不能cover的，不知道怀孕这种情况怎么算，谢谢xdjm们了。
| h********e
发帖数: 312 | | y********e
发帖数: 8315 | 6 group保险没关系的
【在 h********e 的大作中提到】
: 谢谢你，可是如果Lg在期间换了工作怎么办。
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