When do insurance companies consider the start of a pregnancy First Dr appt dated or calculated conception?

The start of pregnancy for insurance purposes is generally determined by the date of conception rather than the first doctor's appointment date. Insurance companies use the estimated date of conception to calculate the effective date of coverage for maternity benefits and to determine the length of the pregnancy for medical claims.

Here's how insurance companies typically determine the start of pregnancy:

1. Last Menstrual Period (LMP) Date: Insurance companies often use the date of the last menstrual period (LMP) as the starting point for calculating pregnancy duration. The LMP is the first day of the last normal menstrual period before pregnancy occurred.

2. Estimated Date of Conception (EDC): Based on the LMP date, insurance companies calculate the estimated date of conception by adding 14 days. This is because ovulation and conception usually occur approximately 14 days before the start of the next menstrual period.

3. Confirmation of Pregnancy: Insurance coverage for maternity benefits may require confirmation of pregnancy through a positive pregnancy test or an ultrasound scan. Some insurance companies may require confirmation within a specified time frame after the policyholder's effective date.

It's important to note that the start of pregnancy for insurance purposes may differ from the medical definition, which considers the beginning of pregnancy to occur at the moment of fertilization. Additionally, different insurance companies may have specific guidelines or variations in their procedures for determining pregnancy commencement.

If you have questions or concerns about how your insurance company determines the start of pregnancy, it's best to contact your insurer or insurance agent for clarification. They can provide you with information specific to your policy and coverage.