AboutLinda Woolsteen Expertise I can help you with questions about health insurance. If you feel your insurance company is mistreating you. Are they telling you they are checking eligibity, pre-existing, etc. Or you just don`t understand how your insurance works or don`t understand what a PPO is.. I can help you.
Experience
Past/Present clients One company I worked for I was the underwriter for the Academy of Medicine of Cleveland and the Ohio Bar Association. I was also a supervisor of our customer service department.
Question I am currently on my husband's health insurance. We are thinking about having a baby and at the same time he is looking for new employment. If I become pregnant, and then he gets a new job, is pregnancy a pre-exsisting condition that most insurance companies do not cover? (FYI: he always works for large corporate travel companies with good benefits; he is not an independant or contract worker). Thank you.
Answer Hi,
I have to advise that no benefits are ever guaranteed. However, pregnancy cannot be considered a pre-existing condition anymore. I think most of the Department of Insurance web pages mention that now also.
If you have always had coverage, all you need to do is get a Certificate of Creditable Coverage (CCC) from your previous insurance company (carrier) to give to your new insurance company. The CCC's help with PE (pre-existing) conditions. For example, if you were with your present insurance company for lets say 12 months at least and now your new insurance company has a pre-existing time period of lets just say 6/12 (six months, 12 months) what that means is that if you were seen, treated or consulted for a condition 6 months prior to your effective date, you would have to then wait 12 months in the plan before those conditions would be covered. However, if you provide the new carrier (insurance company) with your CCC from the insurance company you had prior, you would have 12 months credit which would wipe out your 12 month waiting period. The CCC is to help people with pre-existing conditions when they are switching carriers.
