humana banana

David and I are currently re-doing our health insurance for next school year. We want to get me on his plan (Humana) because the benefits cover more than just a yearly exam, but they have made it so confusing! Our biggest concern is what is covered pregnancy-wise. I am sure ready to have kids, but this insurance thing is a nightmare!

Right now, I’m covered with my own policy through UNICARE. Although it is a very limited plan and covers zip-zero-zilch as far as anything above and beyond a yearly check-up, I at least understand that it covers zip-zero-zilch. Reading the paperwork on the Humana plans is so confusing, you can’t tell what it doesn’t cover.

My biggest question (and I will be calling Humana to ask it) is, “If I am pregnant before September 1st (when the plan starts), will I still be covered with all the dr’s appointments and birth that follow?”

UPDATE: May 12, 2004 I had the opportunity to talk with the Humana representative that was at CPMS today to clarify some of the paperwork that the teachers are receiving about the different health plans. She told me that pregnancy is not considered a “pre-existing condition” with Humana and will not be denied coverage as long as I keep my current healthcare coverage with UNICARE until the last day of August 2004. The Humana coverage will begin September 1, 2004 and will cover me completely from that date on. This is a huge relief for me and I’m sure that David feels good about this knowledge as well. God is taking care of us. He always has. Always will.