I have an individual policy and was told when I signed up two years ago that when I was ready to have a baby that I would need to add a maternity rider for 6 months before a pregnancy would be covered. I discovered I had thyroid cancer a year ago and have no thyroid now. I called to add the maternity rider and was told that I could not have it. The only way to add it would be to underwrite a new policy and any thyroid or cancer issues would be considered preexisting. My dh is in grad school and has his own individual policy. He is getting a masters in teaching but will not be done until Nov. Who knows if he will get a full time position then with a group policy(maternity would not be considered preexisting then) We are planning TTC this summer. We would like a homebirth. Our ds was induced two weeks early because of toxemia and delivered in a hospital with pitosin and epidural. I am concered because of that and needing bloodwork every month during a pregnancy to keep track of thyroid levels that we would not be able to financally pull it off. (each blood test costs$150) I do not want a company to dictate when I have a child. My ds is already three and I would not have waited this long ttc except for the tyroid issues. Does anyone have any experience with these type of things?
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2/16/03 at 4:03pm