I posted two other links. She has coverage, but maternity care is only for the employee (mother), dependents dont receive the prenatal coverage. She can go to her family dr, but that won’t help much.
http://www.washingtonpost.com/national/health-science/parents-insurance-covers-children-up-to-age-26–but-not-for-pregnancy/2012/08/06/2b59f160-6a2c-11e1-acc6-32fefc7ccd67_story.html
The ACA problem, as I see it, is that it allowed women to stay on family policies until age 26 which is normally great. It just wasn’t widely publicized that the maternity coverage, so widely acclaimed by Obama about how all women will be covered, doesnt cover many of those women on parents’ policies. If this girl wasn’t able to be on her parents she’d be on her own, and be covered!
The second part is that I still don’t know if a person can buy private insurance without it being open enrollment. Yes, enrollment periods always existed for employer coverage, but did they for private coverage? I am concerned that she won’t be able to buy her own policy for coverage until open enrollment. You should be able to call,up,a company and buy from them if you want to and they are willing. Also, short term coverage is available, but maybe ot in Nj due to ridiculous over regulation.
Anyway, my point here is not to debate it. The employer and the Dr told her she is not covered. Mom is a teacher and I think someone in her building (a union rep? Benefits person?) told her she is not covered. Now what can she do? That is the question…where can she BUY coverage?