UnitedHealthcare Newborn Coverage

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I have UnitedHealthcare through my employer. I have a family plan, which was just my wife & I, but my daughter was born in January 2021. It is a Consumer-Directed Health Plan if that makes any difference.

Prior to having our daughter, I had googled how adding our daughter to a Health Insurance plan works. This is what I found.

https://www.ehealthinsurance.com/resources/individual-and-family/health-insurance-for-newborn-babies

In that article it states:

“After your baby is born, your child is covered for the first 30 days of life as an extension of you, the mother, under your policy and deductible.”

I understand that this is not the UHC website, but for this reason I thought that my daughter would be covered under my wife’s deductible/max out of pocket.

Our plan has a family deductible of $3k, and a per person max annual out of pocket expense of $4k, and a max family out of pocket expense of $8k.

UHC billed both my daughter and my wife. We exceeded the $3k deductible, and have met the $4k max out of pocket for my wife. They are also billing me $1,400 for my daughters copayment after the deductible. This is where I thought I was billed incorrectly, thinking that the first 30 days would be billed under my wife, and all we would need to pay is the $4k.

I reached out to UHC, and they told me that it is billed correctly, and since I added my daughter to the policy through my employer, they backdated coverage to her date of birth, and she is billed separately.

Does this seem correct? Has anyone else been through this and gotten UHC to bill these under the mother, or is this just how it is and I have to pay the separate copay for my daughters birth? Thanks in advance!

submitted by /u/Rude-Investigator825
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I have UnitedHealthcare through my employer. I have a family plan, which was just my wife & I, but my daughter was born in January 2021. It is a Consumer-Directed Health Plan if that makes any difference. Prior to having our daughter, I had googled how adding our daughter to a Health Insurance plan works. This is what I found. https://www.ehealthinsurance.com/resources/individual-and-family/health-insurance-for-newborn-babies In that article it states: “After your baby is born, your child is covered for the first 30 days of life as an extension of you, the mother, under your policy and deductible.” I understand that this is not the UHC website, but for this reason I thought that my daughter would be covered under my wife’s deductible/max out of pocket. Our plan has a family deductible of $3k, and a per person max annual out of pocket expense of $4k, and a max family out of pocket expense of $8k. UHC billed both my daughter and my wife. We exceeded the $3k deductible, and have met the $4k max out of pocket for my wife. They are also billing me $1,400 for my daughters copayment after the deductible. This is where I thought I was billed incorrectly, thinking that the first 30 days would be billed under my wife, and all we would need to pay is the $4k. I reached out to UHC, and they told me that it is billed correctly, and since I added my daughter to the policy through my employer, they backdated coverage to her date of birth, and she is billed separately. Does this seem correct? Has anyone else been through this and gotten UHC to bill these under the mother, or is this just how it is and I have to pay the separate copay for my daughters birth? Thanks in advance!
submitted by /u/Rude-Investigator825 [link] [comments]Read Morer/HealthInsurance

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