网上查到的，还是不是很清楚，我在找工作，但是不确定什么时候会有工作
When you are unemployed and already pregnant with no insurance, it is
extremely challenging to find individual health insurance that will insure
you. Or you may get insured, but the policy will not cover maternity costs.
Fortunately, you've got options:
Consider getting a job that offers good health insurance plan. Make sure you
fully understand the employer's health insurance plan before accepting a
job. Some companies may require you to be employed for 30 days or more
before you become eligible for coverage.
This may be fine if you are in the early stages of your pregnancy and don't
mind paying for a couple of pre-natal visits. However, this could pose a
major problem if you are nearing your end term.
If you are changing jobs you can not be denied health insurance at your new
job just because you are pregnant. The Federal Law HIPAA (Health Insurance
Portability and Accountability Act) states that pregnancy can not be
considered a pre-existing condition if you were previously covered by group
health insurance.
If prior to your new job, you didn't have maternity health insurance or were
covered by individual insurance, you do not qualify for protection offered
under HIPPAA. This means that you may be subject to pre-existing Condition
waiting period under your new employer's health insurance policy.
You may be eligible for maternity health insurance under COBRA (Consolidated
Omnibus Budget Reconciliation Act) through your previous employer. This
will cover you for 18 months, provided you apply for the benefits before the
60-day application period expires. However, this will generally require you
to pay the full premium (plus 2% administrative cost). You may find this
pricey, but definitely better than not having any insurance at all.
