Question: Hi, first thank you for this great q&A. second, i last applied for health insurance about 5 years ago and i am currently still overweight. (5'7" 258lbs). bp is undercontrol as is cholesterol with the use of caduet 10/10. no diabetes, hx of asthma as a child, recent xray showed a small rough area of the socket in my hip, not really an issue according to my chiropractor. i need some relief from the premiums i'm paying currently, any chance of some cheaper insurance?

thanks again for the help

Question: Hello. My maternity rider became effective March 1 but I found out I am pregnant and based on my last period and the ultrasound I got at the free clinic it looks like I might have conceived the third week in February (just a week shy). Since it is so close to my effective date and there is no way to be 100% sure, how will the insurance company determine my conception date? If they go by the due date then what if the baby ends up being late? How is all this determined? Please help!