My wife had a baby recently and has quit her job. She had a BCBS plan with her work. She is attempting to get on the same plan she had through her work with baby included, but obviously an individual plan as opposed to a group plan. For some reason this is taking much longer than we thought and they are now uninsured. Our broker is saying that the underwriter is calling this under legal review, but they can't say more than that. Any clue with that might mean? Both baby and mom are healthy with no glaring medical problems in the past. No one seems to have heard of this legal review with any specifics. We thought we allowed plenty of time (two months) to set all this up. Any comments would be much appreciated.

When my late husband and I married we went through a similar process. The health insurance company required verified info that I had no pre-existing health problems. They didn't care about "glaring" problems and were concerned about on going or potential problems.

As I recall it took more than a few months.

Have you called BCBS and asked them what the process is?

They get copies of medical records of doctors at times, Also the amount of time since birth, they want to be sure there is no problem with the child that may show up early. Or complications of being pregnant.

I know they will not ever write it, when she was pregnant, and they may have a waiting period after also.

They will revew all drug prescriptions for any possible issues.

If she had insurance at work, did she not have a COBRA option to stay covered for a period ?

Fr_Chuck, COBRA was the most expensive option and it shouldn't have been necessary since the bcbs application was submitted a month in advance of the expiration of the employer plan. We're now looking to put both wife and baby on a temporary one month plan (until the real policy can gets put in place), but can't get a definite answer on whether they will cover a 4 month old (as you also eluded to). It continues to be very frustrating.