Is pregnancy considered a preexisting condition by insurance companies?

Yes. Many insurance companies will place a waiting period on maternity coverage to ensure that the policyholder is not purely purchasing the policy to take advantage of a maternity benefit.

The typical waiting period for a maternity benefit is between 12 and 24 months from the start of the plan. It is important to note, however, that it can be possible to receive a newborn coverage benefit at a much earlier time (in some cases as early as 6 months).

If you have your delivery during the policy waiting period for maternity then none of your expenses will be reimbursed by the insurer. It is important that all policyholders understand how long the waiting period is for all benefits on their health insurance plan.