Purchasing health insurance while you are pregnant

 Signing up or changing your health insurance plan for pregnancy outside of open enrollment can be quite difficult.  Having a solid health insurance plan during your pregnancy can save you money and be beneficial for the wellness of the mother and baby.

Here is a breakdown of when you should purchase life insurance when you become pregnant:

-          Those expecting to deliver after open enrollment have far more options because they can apply for an optimal plan during this designated period

-          If your due date falls just before the designated dates, you can make modifications only if you experience a qualifying life event, or qualify for Medicaid.

If you qualify for a life event, you are able to purchase a health insurance plan outside of open enrollment.  Becoming pregnant does not count as a qualified life event for health insurance.  Below are events that do qualify:

 

Involuntary loss of other coverage

Individual plan renewing outside of designated times

Becoming a dependent or gaining a dependent because of birth, adoption, or placement in foster care

Marriage

Divorce

Becoming a US citizen

A permanent move where different qualified plans are available

An enrollment error that was not your fault

Employer-sponsored plan reduces benefits making it not provide minimum value or raising the cost so that it is unaffordable

 

When purchasing a health insurance plan when you are expecting, think about the future costs and what exactly you need in a plan.  Think about where you will deliver and the possibility of premature birth.

As an independent agency, Cosmo can help you select the best individual health insurance plans in New Jersey or family coverage from a broad range of insurers catering to the individual healthcare coverage market. Cosmo has particular expertise is in the ACA individual marketplace exchanges. Our individual health insurance brokers in New Jersey have the knowledge, personal attention, and honesty, that will help you make an informed choice.

GET A QUOTE ONLINE

 

Source: https://www.growingfamilybenefits.com/health-insurance-open-enrollment-pregnancy/

Posted 11:00 AM

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