I can't get health insurance b/c I'm pregnant!?!?
HIPPA is Health Insurance Portability and Accountability Act and it addresses preventing people from LOSING health insurance when they change jobs.Basically, under HIPPA, if you are pregnant AND have health insurance, then leave your job, your new employer's health plan MUST accept you without considering pregnancy (or any other health conditions) as pre-existing. HIPPA also requires your former employer to provide COBRA: where you keep your current health insurance (but you pay the full premium).Otherwise, pregnancy is a pre-existing condition, and insurance companies sort of look at you as if you are trying to buy auto insurance to cover the car accident you just had.Basically, your pregnancy is going to cost thousands of dollars in medical bills. But the purpose of insurance is to cover UNEXPECTED situations. Since you are already pregnant, the comming medical bills are not unexpected, and therefore no one wants to insure you, because by definition, you are currently a larger liablility than an asset.I think your only course of actions will include having the baby at a "free" hospital (i.e. where indigent people are taken), or you might be able to sign up for health insurance, but you will be expected to pay for all medical bills related to the pregnancy until after the time period for pre-existing conditions laps. (Note that the duration for coverage for pre-existing conditions for EVERY health insurance company is longer than 9 months... coincident, don't bet on it). But if you at least have the health insurance, then you will at least get the insurance "group" rate rather than having to pay "full" price for the medical care.That is the aspect of health care in this country I detest... you are legally charged inflated rates for medical care UNLESS you are a member of the "insurance" club. Perfect personal example: I go to get a prescription filled. Because of a paper work snafu, the computers don't show me as having valid insurance at the moment and I'm charged $75. They tell me come back in a few days when the paper work is cleared up and they will refund the full cost and re-do it with the insurance. Once the paper work is cleared up, I go back and this time, I pay $45. However, the insurance company DOES NOT pay the pharmacy the $30 difference. Now that I have the insurance, the price drops to $45. I pay the full $45 because I have a $50 co-pay. Since the cost is below the co-pay, I pay the full price. But the full price just dropped $30 because I have insurance. I'll repeat that, the insurance company didn't pay the pharmacy a DIME for my prescription. But the cost of my prescription dropped by $30 because I was suddenly in the "insurance club".
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