-My wife and I are both on separate insurance plans from different health insurance companies that each currently only cover the individual (not a family). Her’s is through her employer, mine is not through an employer but rather is individual/marketplace. -The hospital that we intend to deliver at is not in-network for my health insurance, its only in-network for my wife’s health insurance. -Ultimately, we would like to change my health insurance to individual+baby and have the baby be on my health insurance, not my wife’s. Wife to remain on her own individual health insurance. -Wifes birthday is earlier in the calendar year than mine (in case “birthday rule” applies here?).
What is the best way to approach this? Will wife’s health insurance cover the portion of the delivery/hospital stay that is billed to our baby, even if she remains on an individual-only plan and baby is put on my plan within 30 days of delivery?
Does she need to temporarily change to an individual+baby plan right before baby is born (just for 1 month, so that birth costs billed to baby are covered) and then can we switch to my health insurance plan 2 weeks after baby is born (since we’ll still be in special enrollment period)? So baby’s costs from 0-2 weeks get billed to wife’s health insurance, and then from 2+ weeks get billed to my health insurance.
submitted by /u/alpswd
[link] [comments]
-My wife and I are both on separate insurance plans from different health insurance companies that each currently only cover the individual (not a family). Her’s is through her employer, mine is not through an employer but rather is individual/marketplace. -The hospital that we intend to deliver at is not in-network for my health insurance, its only in-network for my wife’s health insurance. -Ultimately, we would like to change my health insurance to individual+baby and have the baby be on my health insurance, not my wife’s. Wife to remain on her own individual health insurance. -Wifes birthday is earlier in the calendar year than mine (in case “birthday rule” applies here?). What is the best way to approach this? Will wife’s health insurance cover the portion of the delivery/hospital stay that is billed to our baby, even if she remains on an individual-only plan and baby is put on my plan within 30 days of delivery? Does she need to temporarily change to an individual+baby plan right before baby is born (just for 1 month, so that birth costs billed to baby are covered) and then can we switch to my health insurance plan 2 weeks after baby is born (since we’ll still be in special enrollment period)? So baby’s costs from 0-2 weeks get billed to wife’s health insurance, and then from 2+ weeks get billed to my health insurance.
submitted by /u/alpswd [link] [comments]Read Morer/HealthInsurance