Quora Answer: Will Insurance Cover Pregnancy if You are Already Pregnant?

The following is my answer to a Quora question: “Will insurance cover pregnancy if you are already pregnant?”

No, because the pregnancy is a pre-existing condition prior to your coverage.  Insurers do not, as a general rule, cover you retroactively.  If your group health policy covers pregnancy, you must not be pregnant upon the policy inception, and there is a waiting period, which may vary from 90 days to a year.  This will be stipulated in the policy contract.