The dr just told them the claims were denied for the visits she had. They didn’t realize it wasn’t cover until now, 5 weeks after first appt. prenatal must be covered for the insured and/or spouse, NOT the dependents. I read that 70% of large company policies exclude it. Individual and small companies must include it (or so read). And, as I said, it’s not a qualifying event to change your employer coverage.
http://www.insure.com/health-insurance/pregnancy-insurance-loophole.html
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