FTM... Insurance Question!

MissEm15

Sorry if this has been asked, but I couldn't find what I'm asking in the search. I have a $500 deductible & $4200 max out of pocket for me & $8400 family. UHC covers 85% after deductible. It's not an HSA or anything. Let me preface by saying, I did do their "estimate my costs" online, but delivery of twins was not an option (unless I double their singleton estimate maybe?).

So my questions are:

1) Would delivery for both babies go toward my max out of pocket or the family max out of pocket? Or does all delivery & after delivery care go toward our family max out of pocket?

2) Who do I call to get estimated delivery/care costs.. Insurance company, doc or Hospital? All three?

3) When do we up our health insurance plan to include two babeis? After they are born or before?

I'm so lost when it comes to insurance, so please any advice is greatly appreciated. TIA!!

chickaboo1974

Honestly I would call all parties involved and ask about this- oh and get as much of it as you can in writing.  

As for adding them after birth, you really should call as soon as you can.  I wanted no surprises and fights with the insurance.  My boys were born early, and were in the NICU when I was discharged.  They were born on a Friday evening, my husband contacted his HR rep from his workplace on Monday to make sure they were added.  When I was released on Tuesday, I called the insurance to make sure they were aware that I was released and the boys were in the NICU.  They were since the hospital had been in contact with them. I checked the online portal then and they were already listed under our policy.  There was no surprises and everything financially went smoothly.

shaunah816

Definitely call your insurance company and confirm everything. For me at least, I had Aetna and was on an individual plan (my husband was on his own plan through his employer) at the time of delivery. I only paid the max out of pocket plus the deductible for the individual plan. Since the kids aren't really "on" your plan until after they're born, my insurance only charged me according to the type of plan I was on when they were born.

A couple months before delivery I called my company's HR department and told them I'd be having twins and wanted them to be added to my plan. They sent me paperwork to fill out and turn in after the boys were born, because it required birth dates and social security numbers. So the kids don't go on your plan until after they're born, but it's a good idea to let your HR/insurance company know they're coming to make the process smooth once the twins are here and you have other things to worry about