If you have no insurance now but will have coverage this fall will you be able to add family coverage if your wife gets pregnant now?

Answer 1

This sounds like a question I was emailed directly. Here's more detail on the question and the answer... I currently do not have health insurance. My wife wants to conceive a baby during this year. This fall I will begin a Ph.D. program at Arizona State University, ***I'm not really familar with the law in Arizona which will provide me with a student health plan insurance policy to which I can supposedly add my wife. Can they deny us insurance if she is pregnant? ***It's not an employer group plan so you wouldn't have HIPAA protection , verify that they are talking about EMPLOYER - EMPLOYEE plans only. There is much conflicting information on the internet, but I read a pamphlet on the Department of Labor website does not matter if the woman had previous coverage, that even if she did not the group plan ***Check the code. They are most likely talking about an EMPLOYER group plan cannot deny coverage. Why is there so much conflicting information about this on the web? ***Definition of terms. Which laws apply to which situations Here's the Federal Governments definition of a Group Health Plan 26 USC Sec. 5000 01/06/03 For purposes of this section - (1) Group health plan The term "group health plan" means a plan including a self-insured plan) of, or contributed to by, an employer (including a self-employed person) or employee organization to provide health care (directly or otherwise) to the employees, former employees, the employer, others associated or formerly associated with the employer in a business relationship, or their families. (2) Large group health plan The term "large group health plan" means a plan of, or contributed to by, an employer or employee organization (including a self-insured plan) to provide health care (directly or otherwise) to the employees, former employees, the employer, others associated or formerly associated with the employer in a business relationship, or their families, that covers employees of at least one employer that normally employed at least 100 employees on a typical business day during the previous calendar year. For purposes of the preceding sentence - (A) all employers treated as a single employer under subsection (a) or (b) of section 52 shall be treated as a single employer, (B) all employees of the members of an affiliated service group (as defined in section 414(m)) shall be treated as employed by a single employer, and (C) leased employees (as defined in section 414(n)(2)) shall be treated as employees of the person for whom they perform services to the extent they are so treated under section 414(n). http://uscode.house.gov/uscode-cgi/fastweb.exe?getdoc+uscview+t26t28+1483+1++%28%29%20%20AND%20%28USC%20w%2F10%20%285000%29%29%3ACITE%20%20%20%20%20%20%20%20%20 Will we be able to get insurance (we are otherwise healthy young people). ***If she is pregnant, I doubt it.