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BitaTruble -> RE: Pregnant Sub.... Responsible Dom (7/22/2008 8:42:38 PM)
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quote:
ORIGINAL: lovingpet
I recently ran across an interesting situation and wanted others' input. A submissive married to a vanilla, but obscenely understanding man, agreed along with the knowledge of her husband to become pregnant by her dominant. This had been something the dominant and she had wanted for some time. The dominant also wanted the full financial responsibility to fall on him. Her husband has medical insurance on her, but the dominant wants her to be dropped from that plan for the duration of the pregnancy and placed on his insurance, which does cover domestic partners of both genders. She has pre existing conditions, so the new insurance would likely not cover these items. Further, she would start from square one when she returned to her husband's plan.
My question lies in how they could recify this situation and still meet the burden of obligation her dominant wishes to carry. I have given some ideas, but would like input. Kind input only please. I know this arrangement would not be everyone's cup of tea. I have my own misgivings. Have fun!
lovingpet
The dominant can purchase her an individual, private policy or even a policy which is specific to pregnancy. Since her current insurance is as a spouse, the individual policy will take over as the primary insurance and the spousal policy will drop into secondary status. Pregnancy is 'not' considered a pre-existing condition and insurance companies are disallowed by federal law to treat it as such (and have been since 1998). Pre-existing conditions which will not be covered under a new policy or which may have up to an 18 month wait period are things like kidney, heart and lung transplants, diabetis, and other chronic illness. Check her state for complete listings of pre-existing conditions to see if her conditions are listed or are cause for denial of private coverage. Anything that does happen to be denied should still be picked up by the secondary insurance. When the pregnancy ends, drop the private insurance and she'll go back to spousal insurance as the primary.
Also, even if the spousal insurance is dropped completely in favor of a private insurance policy, life change events are sufficient reason to be added to someone's policy and losing insurance, birth of a child, marriage etc. are all considered life change events and all would be accepted as reasons to go back on her husbands insurance when the event occurs. As soon as the private insurance is lost/dropped, she can go back on the husbands policy and still be credited for having continual insurance as she can't be denied group coverage. Most insurance will terminate end of month and the new insurance would take effect the first day after the loss of coverage so there is no lapse.
If she has a pre-existing condition which is listed in her state, dropping her current coverage is a mistake as she may be unable to get private insurance. Group coverage can't be denied, but private coverage can be (depends on the state) so she needs to check before making a blunder and she needs to make sure that the new insurance is purchased before the old insurance is terminated.
Some other things: I'd recommend having a DNA test for paternity so it's in writing and make sure the correct father is put on the birth certificate (check out the laws for knowingly giving false information on a birth certificate). That will ensure the dominant will be obligated, exactly as he desires, to be financially responsible.
I used to teach HIPAA classes to insurance companies, but, you have no idea if what I've said is true or not, so please, have your friend do her homework (or the dominant do his) and don't take the word of anyone online regarding such a delicate matter.
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