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Covered California and Obamacare related questions from consumers, employers and agents are answered by Phil Daigle with the best information available at the time. Archived entries may no longer be accurate as the Covered California and Obamacare knowledge-base is evolving quickly. TO REQUEST A PERSONAL RESPONSE INCLUDE EMAIL ADDRESS.

Conception Date & Maternity Rider

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Question: Hello. My maternity rider became effective March 1 but I found out I am pregnant and based on my last period and the ultrasound I got at the free clinic it looks like I might have conceived the third week in February (just a week shy). Since it is so close to my effective date and there is no way to be 100% sure, how will the insurance company determine my conception date? If they go by the due date then what if the baby ends up being late? How is all this determined? Please help!

Answer: Congratulations on your pregnancy. You should be OK with your insurance. Usually, the date of conception is not the overriding factor. If you did not know you were pregnant when you bought the maternity rider, your pregnancy will be covered. Most maternity riders have a waiting period so I hope you've checked that out.

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