Hi ladies! Hoping someone in the know about insurance can help me out since my own insurance company is too Fing stupid to be able to tell me... Wasted half an hour on the phone ugh.
So my insurance has a FAMILY deductible, not individual. We are planning to set aside enough money to cover family deductible and OOP max for birth expenses.
But, when I add baby the family deductible increases. It becomes 3k instead of 2k and my OOP max also increases to 3k.
If I go into the hospital with a 2k deductible on July 8, my EDD, cone out with a baby, and add baby to insurance by 31 days thus increasing my deductible to 3k.... How much do I get charged for my delivery? Does the new deductible and max apply to any charges made that month or only charges made after I actually change the plan?