I just had a baby in April and found out about a little hiccup in our insurance I thought it would be good to share in case there are others of you who didn't know about this. When I got pregnant, I asked my insurance rep all about labor and delivery costs and what would be covered. After the delivery we got our bills and paid up to our deductible of $500 (a total of $16,000 without insurance...wow). Now, three months later we have gotten a bill for $5,000 with no insurance coverage. We noticed the patient's name was my son's whereas on the other bills it was mine. After doing some calling we found out that because we went on my husband's family insurance plan instead of mine (because his has much better benefits) after the birth, any bills under our son would restart the new deductible. Of course we knew the first office visits would fall under this, but what shocked us was from the very minute he was born, he was being billed separately than me at the hospital. So, when I had asked about labor and delivery costs the insurance people only told me about mine, not my son's. I had just assumed we were covered as one for those few days in the hospital. Some parts of the bill are super silly as well, like we are both charged $3,100 for room fees when we were in the same room!
I just wanted to get this out there so that when moms-to-be are talking to insurance people, make sure to ask about the baby's coverage from the moment they're born, especially if you're switching to a spouse's insurance.
Re: Insurance FYI
My insurance has an individual deductible, an individual OOP max, and a family OOP max. Our insurance will roll over mid-pregnancy.. Which will be fun having to pay the dang deductible twice.
Feb 2016 Siggy Challenge, Favorite Thing About Fall
If you want to put your LO on insurance that is not yours (your husband's if you have different coverage), do not do so until you are home from the hospital! This exact thing happened to my friend.
Me: 32 Hubby: 31
Married 12/29/12
Started TTC July 2014
Miscarriage August 2014
Emmett born February 2016
Expecting Baby #2 in August 2017
http://www.fertilityfriend.com/home/544e80
Feb16 August Siggy Challenge
Favorite TV Mom
DS1 Jan 2012
DS2 July 2013
DS3 February 2016