<prompt> Human: I am employed but stupid enough to only buy health insurance for myself. I thought I can add her to insurance when she is pregnant. Turns out pregnancy is not qualified as a life changing event and I can only change insurance in the open season which is this November.So what option do I have now? I want to buy her individual health insurance program. Is pregnancy not confirmed, only positive test result considered a pre-existing condition? Will she be denied health insurance because of pregnancy? How much should I prepare if I have to pay all the prenatal tests? Thank youAssistant: What state are you in? Is there any state funded insurance like Medicaid that she can apply for?Human: MD, but she is non-citizen with H4 visa. I dont know whether she can apply for Medicaid  <response>: I found this on the MD website. Individuals who are not legally in the United States and most applicants who have not met the five year bar are not eligible for full Medicaid benefits. However, these individuals may be eligible for Medicaid coverage of emergency medical services, including labor and delivery services. In order to qualify for emergency medical services, the applicant must meet all other Medicaid eligibility criteria, including income limits. Individuals should contact their local Department of Social Services for additional information on qualifying for emergency medical assistance.Your wife is here legally, so she might be eligible for full coverage. I would definately give them a call. 