President | Founder, CLM Insurance Group, Delray Beach, FL
You can switch health insurance pans while pregnant, but make sure to do your due diligence first. If you are increasing benefits and lowering maternity out-of-pocket costs then switching would be a great idea. On the other side of that argument, if you're happy with your current plan and benefits you may find staying where you are until the baby is born serves you better.
In the new arena of health reform and individual health insurance you can only switch during open enrollment or if you qualify for a special enrollment due to a life changing event. It's best (pregnant or not) to find the right program and stick with it throughout the year to avoid headaches.
For more information on how maternity is covered under Obamacare plans please visit www.clminsure.com
Co-Founder, TermInsuranceBrokers.com, Goldenzweig Financial Group, Las Vegas, Nevada
Under the new affordable care act, you can change to another health insurance plan during the open enrollment period each year. If you're outside the open enrollment period and want to switch plans, you would need to qualify for a special enrollment period (also referred to as a qualifying life-changing event).
Since a carrier can no longer decline you for a pre-existing condition, health insurance plans are, in short, guaranteed-issue.
However, changing plans may not necessarily be in your best interest. Be sure to do an in-depth comparison of your existing plans and the proposed new plans you're looking at to see which is truly better/more advantageous for your own situation - premiums, coinsurance, copayments, deductibles, out-of-pocket maximums, networks (HMO vs. PPO vs. POS) and other factors should be taken into account. An independent agent can help you with this review.
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In the new arena of health reform and individual health insurance you can only switch during open enrollment or if you qualify for a special enrollment due to a life changing event. It's best (pregnant or not) to find the right program and stick with it throughout the year to avoid headaches.
For more information on how maternity is covered under Obamacare plans please visit www.clminsure.com
Since a carrier can no longer decline you for a pre-existing condition, health insurance plans are, in short, guaranteed-issue.
However, changing plans may not necessarily be in your best interest. Be sure to do an in-depth comparison of your existing plans and the proposed new plans you're looking at to see which is truly better/more advantageous for your own situation - premiums, coinsurance, copayments, deductibles, out-of-pocket maximums, networks (HMO vs. PPO vs. POS) and other factors should be taken into account. An independent agent can help you with this review.