How can I get a plan from a Massachusetts health insurance company that will also provide coverage for my wife? My wife is currently pregnant. Although we earn enough, I’m looking for a plan that won’t eat up much of our savings.

You might find it a bit difficult to get a health plan from a Massachusetts health insurance company that will cover your wife’s pregnancy. There are some insurance companies that consider pregnancy as a pre-existing condition and thus may not cover maternity-related expenses. However, if your employer is offering group health insurance, then your wife’s pregnancy might be part of the policy. There are several group health plans where pre-existing conditions do not apply. This means pregnancy-related expenses might be covered.

Another option is to get individual plans from a Massachusetts health insurance company. Instead of getting a family plan, you can get separate individual health insurance plans. Individual plans, however, might not cover your wife’s pregnancy. She might need to get a maternity health care plan on her own.

You can also try buying her a Medicaid plan instead of a plan from a Massachusetts health insurance company. There’s a chance, however, that her application might be denied because of income and other related factors.

Answer by general public - June 17, 2009 @ 8:38 am

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