Bluecross Blueshield of Alabama/open enrollment 2007?

If it is an individual plan, there is no “open enrollment” period. However, if it is a group plan, the open enrollment period is at the time the policy renews. It has nothing to do with the fiscal year of the business. You want to be sure and complete an enrollment form about 30 days prior to the group’s renewal. And, by Federal law (if you work for an employer of 2 to 50 employees) pregnancy cannot be considered a pre-existing condition. It just amazes me how many “experienced” insurance people that answer questions here don’t know about the pre-existing waiver per HIPAA Federal law on maternity.

Congrats on your pregnancy. This child could change the world some day!