Baby Parenting Guide

baby health insurance question?

[this isn't for real, its for school] if i have a child who has muscular dystrophy and a wife who is 4 months pregnant with another child, can i still get health insurance on that unborn baby without getting him tested? do i have the right not to tell the insurance companies? why might i not want to tell my employer? how would i feel about mandatory genetic testing? do insurance companies have the right to deny insurance to individuals with genetic disorders?

Public Response to baby health insurance question?

1. Insurance companies don't do genetic testing for health insurance pre-qualification right now. I don't know if they ever will - because then most people wouldn't be able to get insurance, and there wouldn't be enough others left to "share the cost". You can't get health insurance on an unborn baby. You need a birth date to sign them up for health insurance.