It’s a regular occurrence here that posters come in expecting that they can add a newborn to the mother’s policy without switching to a family policy with corresponding increase in premiums or cost sharing until either A) discharge, B) A couple of days, or C) 30 days?
So we can correctly advise posters, are there any states or insurance companies where there is a legal fiction that the baby isn’t a person and all charges should be billed to the mother’s policy and go to the mother’s individual cost sharing without creating a family policy?
In my state of Minnesota, you absolutely cannot. The newborn is legally a person, and as such if you want to add him or her to the mother’s policy, it becomes a family or employee + dependent policy as of the midnight prior to the date of birth. At my particular company we do not attempt to split inpatient facility claims, so if the admit date was before the date of birth, they might get the mother’s facility claim accumulated to their individual benefit, but any professional claims that date or afterwards for the mother and any professional and facility claims for the infant would go to the family benefits.
submitted by /u/LivingGhost371
[link] [comments]It’s a regular occurrence here that posters come in expecting that they can add a newborn to the mother’s policy without switching to a family policy with corresponding increase in premiums or cost sharing until either A) discharge, B) A couple of days, or C) 30 days? So we can correctly advise posters, are there any states or insurance companies where there is a legal fiction that the baby isn’t a person and all charges should be billed to the mother’s policy and go to the mother’s individual cost sharing without creating a family policy? In my state of Minnesota, you absolutely cannot. The newborn is legally a person, and as such if you want to add him or her to the mother’s policy, it becomes a family or employee + dependent policy as of the midnight prior to the date of birth. At my particular company we do not attempt to split inpatient facility claims, so if the admit date was before the date of birth, they might get the mother’s facility claim accumulated to their individual benefit, but any professional claims that date or afterwards for the mother and any professional and facility claims for the infant would go to the family benefits. submitted by /u/LivingGhost371 [link] [comments]Read Morer/HealthInsurance