Towards the end of a long phone conversation today with one of my field reps, I came across this conversational gem:
Rep: …so, anyway, the reason I ask is that his daughter’s pregnant and the doctor’s office is saying that the insurance won’t cover the pregnancy. Do you think it’s because she’s fifteen?
Me: Her age doesn’t have anything to do with it. Since she’s under the age limit, the plan will cover her pregnancy. However, once her child is born, there will be no further medical coverage for that child. She will have to insure the child herself.
Rep: Well, then why did the doctor’s office say that?
Me: I’m guessing that they didn’t call to verify benefits and just assumed that the pregnancy wouldn’t be covered, since most medical plans don’t offer maternity benefits to a dependent child. It’s quite a controversy in the health insurance world, so we’re a bit unusual in that aspect, as we do cover it.
Rep: Hey! What a great benefit! I should tell our employees that! You know, that we cover dependent children’s pregnancies and most other places don’t.
Me: No. Please don’t do that.
Rep: …oh, yeah. I guess we don’t really want to encourage teen pregnancy, huh?
Me: Pretty much, nope.