Effective date of QLE change for birth of child

If you use birth of a child as a QLE to change insurance, which insurance company typically pays for the labor and delivery? The first company or the second? I haven’t seen anything addressing this in the plan brochures or other materials.

My wife is giving birth in January. It’s open enrollment now so I’m trying to strategize. Ideally, we could buy really expensive insurance for January and have a really small hospital bill from her giving birth. Then use birth as a QLE to switch to cheaper insurance for the rest of the year. But this is only possible if I could make the effective date for the change be after she has left the hospital.

I have read that they may date the insurance change to the day the child is born. If this is the case, would the second insurance company be the one to pay for the labor and delivery? Or would there be some type of aplit between the two insurance companies?

submitted by /u/8NAL_LOVER
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If you use birth of a child as a QLE to change insurance, which insurance company typically pays for the labor and delivery? The first company or the second? I haven’t seen anything addressing this in the plan brochures or other materials. My wife is giving birth in January. It’s open enrollment now so I’m trying to strategize. Ideally, we could buy really expensive insurance for January and have a really small hospital bill from her giving birth. Then use birth as a QLE to switch to cheaper insurance for the rest of the year. But this is only possible if I could make the effective date for the change be after she has left the hospital. I have read that they may date the insurance change to the day the child is born. If this is the case, would the second insurance company be the one to pay for the labor and delivery? Or would there be some type of aplit between the two insurance companies?
submitted by /u/8NAL_LOVER [link] [comments]Read Morer/HealthInsurance

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