Here is the story.. Both my wife and I work and have own health insurance plans though companies. I planned to switch her to my plan during the open enrollment in August as mine offers better benefits and it would be effective from September 1. Now, we just learned that my wife is 4-week pregnant. Will we have any trouble claiming for the pregnancy-related bills from my health insurance provider (Blue Cross Blue Shield) after the switch? Another question is that, the first doctor's visit is coming up in a few weeks. Could my wife use her insurance for the first visit, then use my insurance after the switch for subsequent visits as well as the baby delivery? Thanks!