Pregnancy, an Ohio Pre existing Health Condition?

There are few better joys in life for a couple when they discover that they are pregnant. Of course, thoughts run crazy as the couple plan for this big event and the changes - hopefully good- that will turn their lives around. At some point during their conversations, the issue of paying for both the mother and babys medical bills becomes an important part of the discussion. And if you are like too many people that I have met, the joy of being pregnant sometimes is weighed down with the reality that there will be big bills to come.

Well, if you have changed jobs recently or just lost a job, or have become unemployed- then on the horizon looms a big potential problem. And during this kind of time, it just does not seem fair. Those residents in Ohio with pregnancy pre-existing health

conditions are on the increase, and help for pregnant Ohio mothers need a lot of attention.

The dreams of parenthood in Ohio involving pregnancy pre existing health conditions

situations need to be addressed soon and some people believe that when they switched jobs just after they became pregnant that they would be fine. But what you need to know is that many employer group plans have waiting periods before your pre-existing health pregnancy conditions in Ohio are covered.

The usual waiting periods are anywhere from 3 months, to 12 months. I know, I know - your pre xisting health pregnancy condition in Ohio should be covered by law. Well, technically, they are. But the insurance companies can simply say they are covered- but not yet.It was not good public policy to have a pregnant woman with no access to health insurance, says Kansas Insurance Commissioner Kathleen Sebelius. We want to encourage prenatal care and regular checkups during the course of a pregnancy and having pregnancy as a preexisting condition would block access to health care.

There are exceptions to the rules, however. Well, the application of the HIPPA (Health

Insurance Portability Act) law is effective here in Ohio, and it should have protected those Ohio pregnancy pre existing conditions, but technicalities can be rough at times.

Unfortunately, there are a lot of conditions that apply to HIPAA. For one thing, HIPAA does not apply to someone who previously had no health coverage at all and then gets into a group health plan through a new job in Ohio. So if you had no insurance, got pregnant, then landed a new job with insurance, your new health plan would not have to immediately cover your pregnancy. You might have to sit out a preexisting condition waiting period, a period that could be longer than your pregnancy and in the meantime pay for your visits yourself.

Second, HIPAA applies only to group health plans. So if you have an individual health insurance policy in Ohio and are pregnant, and then buy group health insurance, you again could be subject to a pre-existing pregnancy health condition in Ohio and have a waiting period.

Likewise, if you move from one individual health plan to another individual health plan, you might not get pregnancy coverage at all. You might have to sit out a waiting period, or if you are offered insurance that covers your pregnancy, you might find it's very expensive.

HIPAA is really the only protection against pregnancy being treated as an Ohio preexisting health condition, and there are lots of people to whom HIPAA rules don't apply. Eligibility waiting periods are put in place to cover the insurance companies- not those pregnant pre-existing health conditions owned by good and honest women.

Here is another scenario. Say you have group health coverage and then switch jobs. Your new lth plan has a one month eligibility period before it begins and you are pregnant. What can you do? Probably nothing here in Ohio- or any other state for that matter. The health plan is not required to cover your pregnancy until the plan takes effect. While that might not be a problem if you are early in your pregnancy and you don't mind paying for a prenatal visit or two out of your own pocket, it could be trouble if you are in your eighth or ninth month and have no coverage for that health condition of a pre existing pregnancy.

It is a frustrating condition here in Ohio. Being pregnant in Ohio should not brand you as some outcast like others with pre existing health conditions. It is not right- you should be worrying about the size of cribs as opposed to the size of your hospital bills.

Fortunately there are some unique methods and plans available to help offset the high costs nvolved when you are pregnant. For Ohio Residents who would like to discover more about how to possibly save thousands be sure to get in touch with BestPreExistingHealthInsurance.com.