Speak with a Covered California certified agent! Call (888) 413-3164 or Shop Online Now

Shop and Compare

California Health Insurance Plans and Rates

It's easy. Just enter your zip code.

Covered California Q&A

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.


Getting Maternity Coverage Now?

By on | No Comments

Question: My daughter who is 23 and is a covered dependent on my husband’s insurance policy is pregnant and Maternity is excluded on the policy. My question is that in California Maternity Benefits are now mandatory as of July 1, 2012. Would this apply to her as well? If so, who do I contact to get her covered? Thanks so much!

Answer: Yes. Maternity coverage is a mandated benefit in California on new plans issued after July 1, 2012. However, your husband’s coverage was issued prior to that date. It does not automatically include maternity coverage now. If his coverage is part of an employer sponsored group health insurance plan, maternity coverage will be included at open enrollment, when the entire group renews or moves to a new plan. If your husband’s coverage is an individual plan, he would have to reapply for a new plan effective July 1 or later and go through the underwriting process. Your daughter’s pregnancy is a preexisting condition that will result in the application being rejected. I’m afraid there is no way your daughter’s prenatal and normal delivery expenses can be covered now. However, her current policy will cover medical complications during pregnancy and delivery should that occur.

Leave a comment

Do You Have California Health Insurance Questions?

Ask An Expert

View Previous Questions
Call Us at (888) 413-3164


© 2019 California Health Benefit Advisers, LLC
Home / About / Start Shopping / Ask a Question

“Covered California,” “California Health Benefit Exchange”, and the Covered California Logo are registered trademarks or service marks of Covered California, in the United States. This web site is owned and maintained by California Health Benefit Advisers, LLC, which is solely responsible for its content.