This might not be the right place to ask this question, but it's worth a shot.
We have a high deductible Kaiser health care plan. On July 1, 2015 we started a separate hospital indemnity gap coverage policy because we knew we were hoping to have another child and it would help with labor and delivery costs. The policy has a pre-existing pregnancy clause that won't cover any full-term deliveries within 9 months of the policy start date. This date would be April 1, 2016.
I was not pregnant when the policy started, however, I am now, and my due date is March 31, 2016. A pregnancy is counted back two weeks from conception to the last menstrual period. Also, a baby can be considered "full-term" at only 37 weeks. Therefore, I am pregnant now, due to give birth within the 9 month exclusion period, yet this pregnancy is NOT pre-existing.
Obviously, I am hoping just to go overdue a few days and give birth outside the 9 month exclusion period. However, if I give birth between March 10, 2016 and March 31, 2016, what are the chances I will be able to claim the birth and receive payment from the hospital indemnity policy?
If someone can suggest a better place to ask this question, I'm all ears. Thank you.