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Only if she was covered by a qualified group plan and elected COBRA can she be added to husbands with no lapse in coverage, thus not pre-existing. You may want to check your state, but my understanding is you have 90 day to elect Cobra and 90 days to pay, but you will owe from day one that you were no longer covered on your previous employers plan.

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Q: Under HIPPAA if a pregnant worker leaves job and within 63 days husband takes a new job with group coverage will it cover the pregnancy preexisting?
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If you are pregnant but getting married will your husband's insurance cover the pregnancy after you get married?

Yes, if it's a Employer Group plan. Can a preexisting condition exclusion be applied to my coverage because I'm pregnant? No. Pregnancy can never be subject to a preexisting condition exclusion in group health plans. http://www.cms.hhs.gov/hipaa/online/Group/Family/Pregnancy_content.asp?record=480021 For more information see www.steveshorr.com/maternity.htm Yes, if he adds you to the policy. Even if you don't get married the policy should cover a well baby (but not a sick baby).


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If I have primary insurance through my work and had secondary through my husband's work but he was laid off can I still use Cobra as a secondary insurance or is Cobra only if you have no insurance?

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