"HIPAA prohibits plans from applying a preexisting condition exclusion to pregnancy, genetic information, and certain children....
Q:Are there illnesses or injuries that cannot be subject to a preexisting condition exclusion?
A:Yes, as follows:
Pregnancy, even if the woman had no prior coverage before enrolling in her current employer's plan..... "
Tell them you'll file a complaint with the Office of Civil Rights, and I bet they change their tune. If they don't, then file the complaint (Go here: http://www.hhs.gov/ocr/civilrights/c...nts/index.html). They're wrong - there's no two ways about it.
The only reason you should see pregnancy coverage denied, is if it's a dependent child that's pregnant, and the plan documents state that dependent pregnancy care is not a covered benefit.
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