Question: I think I might well be pregnant and I want to get insurance to cover the birth etc. Is it okay if I apply and say I'm not pregnant seeing as I'm only about 3 weeks in? How would an insurance company know I'm pregnant if I haven't seen a doctor yet? Help!
Answer: Besides being illegal, it makes no sense to falsify your application. Once you file your first claim for a prenatal visit the insurance company will obtain a copy of your medical records. The records will indicate your due date which will in turn indicate your conception date. The insurance company will then recind your coverage and refund your premiums, minus the amount they have paid towards any other claims you have made. It would be better for you to look at the risk pools or CHIP plans in your state.