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== == 1st of all, we would only be taling about a pre-existing clause for maternity. Is this an HMO or PPO? Is this group or individual coverage? HMO's don't have pre-x clauses. Group Plans under Federal Law can't exclude Maternity as a pre x TITLE 26 - INTERNAL REVENUE CODE Subtitle K - Group Health Plan Requirements CHAPTER 100 - GROUP HEALTH PLAN REQUIREMENTS Subchapter A - Requirements Relating to Portability, Access, and Renewability (3) Exclusion not applicable to pregnancy For purposes of this section, a group health plan may not impose any preexisting condition exclusion relating to pregnancy as a preexisting condition. The pregnancy would be considered a "pre-existing condition" and as such anything to do with the pregnancy would not be covered.

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Q: Is your pregnant wife excluded if you added her to your insurance after she got pregnant?
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