Primary vs Secondary confusion

I’m trying to conceive and will be planning an out-of-hospital birth, the providers are not in network with any health insurance. I have prenatal care coverage 100% with my primary insurance. If I were to end up in the hospital (this one is out of network), my primary insurance will cover it 50% after $2000 deductible.

For husband’s insurance, prenatal care is not covered 100%, but this specific hospital is in network, will cover it 90% after $1000 deductible

I keep seeing conflicting on how this could work. Is this math correct? I’ll just use an estimate here.

Hospital cost: $10000

Primary deductible: $2000 -> $8000 remains

Primary 50% coverage $4000 -> $4000 remains

Secondary deductible: $1000 -> $3000 remains

Secondary 90% coverage $2700 -> $300 remains

$300 to out-of-pocket cap on one of them (not sure which?)

Neither has a clause I can see about not being able to be used as secondary / not paying claims filed with another company / etc., unless there’s specific wording I should be looking for.

Thanks in advance for helping me understand this!

submitted by /u/coastaldolphin
[link] [comments]I’m trying to conceive and will be planning an out-of-hospital birth, the providers are not in network with any health insurance. I have prenatal care coverage 100% with my primary insurance. If I were to end up in the hospital (this one is out of network), my primary insurance will cover it 50% after $2000 deductible. For husband’s insurance, prenatal care is not covered 100%, but this specific hospital is in network, will cover it 90% after $1000 deductible I keep seeing conflicting on how this could work. Is this math correct? I’ll just use an estimate here. Hospital cost: $10000 Primary deductible: $2000 -> $8000 remains Primary 50% coverage $4000 -> $4000 remains Secondary deductible: $1000 -> $3000 remains Secondary 90% coverage $2700 -> $300 remains $300 to out-of-pocket cap on one of them (not sure which?) Neither has a clause I can see about not being able to be used as secondary / not paying claims filed with another company / etc., unless there’s specific wording I should be looking for. Thanks in advance for helping me understand this! submitted by /u/coastaldolphin [link] [comments]Read Morer/HealthInsurance

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