downtown fort collins colorado

Mitchell-Zuber Insurance
383 West Drake, Suite 202
Fort Collins, Colorado 80526
Phone 970.207.0600
Fax 970.207.0640
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Frequently Asked Insurance Questions

I am planning to change jobs, but I am also pregnant. Should I be concerned about qualifying for health insurance coverage?

Federal law provides some degree of protection for pregnant women who change jobs. Under the Health Insurance Portability and Accountability Act (HIPAA), pregnancy cannot be considered a pre-existing condition in most circumstances. Although group health insurance policies in Colorado provide coverage for maternity care and pregnancy, it is important to check the specifics of your new employer's health insurance plan to make sure you understand how you are covered.

You may be eligible for coverage under COBRA (Consolidated Omnibus Budget Reconciliation Act) through your former employer. This will generally require you to pay the full premium. Keep in mind that some employers do not provide health insurance coverage at all. And being caught without group health insurance can be a serious problem for a pregnant woman. As you can see, it is important to do some careful planning before making a career move when you are pregnant. To protect your health and the health of your baby, make sure you completely understand the employer's health insurance plan and eligibility requirements before accepting a new job.

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