So, Mike's work, Home Depot's, open enrollment is in November and the new policy period begins 1/1/2011. We found out that they don't consider the pregnancy a pre-existing condition and that they will cover the pregnancy, delivery, hospital fee's, etc... at 90% (whereas mine only covers 50%). It was our plan all along to add me to his insurance so that I would have dual insurance at the time of the delivery. Then we found out a few weeks ago, that Home Depot has new restrictions and spouse's can only be added to the policy if, among other things that don't apply to me, they don't have insurance available to them through their own employer. So, we decided to ask my work if I could reduce my hours to 31/week so that I would no longer qualify for health benefits. Luckily, they agreed. So, up through 12/31/2010 at 11:59pm I will be covered by health insurance through my work, and as of 1/1/2011 at midnight I will be covered by health insurance through Mike's work. I'm excited because this will save us thousands of dollars on the hospital fee's/delivery.
It took some finagling, but we finally got it figured out!
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