Current plan of action
I am not currently pregnant, however, this is a hopeful future event for us.
So far we have been told the following by different insurance reps.
1. FLMommy is correct, the SSN number is what matters. So, I can be on his plan.
2. We will have to get an individual plan as he is an independent contractor.
3. Pregnancy is not considered a pre-existing condition when transfering on group plans. On individual plans, you must NOT be pregnant before you buy. BCBS is the only company we have found that does not have a 12 month waiting period before coverage kicks in.
4. I concur - it does seem wise that if you are NOT likely to face a high-risk pregnancy, one should just save up money and pay out-of-pocket. We found a company called MaternityCard and they are not an insurance company, however, they advocate for you and negotiate your large hospital bill and prenatal expenses for a $699 fee.
At this time it seems like the wise thing for us to do would be to put the equivalent of a high deductible in an HSA and start saving for a future maternity bill.
Unless someone is aware that money from HSAs cannot go towards maternity?
Many thanks.