Post # 1
My husband and I are currently debating between adding me to his insurance before our little boy arrives, or staying with my own until he is born. I have pretty decent insurance through work with a low deductible (which I have met already). I do not pay weekly/monthly (one of the benifiets to my school teacher salary). I can be added to my husbands insurance now (which we would pay almost 3x the amount monthly than we do for just him!), or wait until our son is born and be added then. The issue is that my husbands deductible will reset (as we will change insurance plans then and be changing from a single to a family plan) and will have to repay a deductible.
My question is-
When I give birth, technically I am the only patient, correct? However once our son is in this world, he will be his own “patient” and whatever tests/procedures are done on him will be billed under his name? I apologize if this does not make sense. This is our first little one, and insurance is incredibly confusing as it is! We know that when our little one is born I will be added to my husbands insurance, as I will lose my coverage once I become a stay at home Mom in August.
I hope this makes sense!
Post # 2
Yes, your child will be billed separately once they are born. We had two separate bills from the hospital. I was a teacher too and had good insurance (sahm now). For simplicity’s sake, I switched to my husband’s insurance before my son was born. Family plans are expensive. They just are.
It all comes out in the wash even if you don’t understand it. Call your husband’s insurance and ask questions. I honestly had no clue and everything turned out alright.
Post # 3
As far as I’ve been told, that is how it works. I was given a pamphlet from the hospital I’m going to deliver at explaining somewhat how this works. The baby *typically* will be put on the husband/fathers insurance plan, unless otherwise decided. You have 60 days from birth to call the insurance company and get that set up. I assume the baby would be billed underneath his own insurance, but the bills may obviously be delayed if you take 30-60 days to add him on. If anyone else knows for sure, please enlighten us! But this is what I was told.
Post # 4
is it possible for the baby to be added to your husband’s insurance for a cheaper rate than a full family and you keep your insurance? Some companies offer parent/child or a couples plan that is cheaper than a full blown family plan. It’s definitely worth double checking if you don’t currently pay a premium.
When my daughter was born I had met my deductible, but the plan year reset while we were in the hospital. I paid 1 copay and that was it – no deductible for the charges that came after the plan reset since it was part of the same hospital stay. However my friend had her daughter in one plan year and then was discharged in the new plan year and her insurer made her pay her deductible twice (once for the birth and then once for the room charges in the new plan year). It can vary so much that it is definitely worth a call to the insurance companies!
eta: sorry I missed the part where you are becoming a stay at home. I would still compare which insurance will be cheaper for the actual delivery and make sure that if you do stay on your plan until you quit that you won’t have to pay back any of the benefits.
Post # 5
Are your doctor and hospital covered under both your and your husband’s insurance? When my first was born, I kept my insurance and added him to it; then we both switched to my husband’s when I lost my job the following August (son was born in January). I had to do it that way because my doc/hospital weren’t covered by my husband’s insurance, so I had three choices: keep my insurance and put son on it, put son on husband’s insurance and deliver at hospital covered by mine (none of son’s bills would be covered), or put son on husband’s insurance and deliver at hospital they covered (none of my bills would be covered). I asked my insurance specifically when my son became his own person for insurance purposes, and they said at the moment of birth. They said the default was actually to put my son on my insurance. If your insurance and your husband’s both cover your doc/hospital, then most of this becomes irrelevant, but it’s definitely important to check.
Post # 6
Luckily both of our insurance cover the hospital/network we will be staying in for my pregnancy and birth.
I hadn’t thought of that till now! We are going to explore that option. Since I will lose my insurance in August, we just want to make sure that the deductible won’t reset again! We are going to do the math to see what will make the most sense $$ wise. After further investigation I realized I have a low deductible, then plan pays 80%. However after a certain amount (which with hospital charges I am sure we will hit) the plan will pay 100%.
Thank you all for the comments/ideas/suggestions!
Post # 7
I met my deductible before baby was born and it “reset” after his birth. We received two separate bills; one for me and one for him. But if I’m not mistaken, you can’t be added to your husband’s insurance unless there is a Life Event (marraiage, birth of a child, etc) or Open Enrollment… or something like that, right? So you might not have choice but to wait until the child is born anyway. I’m not 100% sure but I would ask yours/his HR just to be sure.
Post # 8
Keep your insurance. DH and I used to work for the same university so we had two separate policies when I had DS (since it was cheaper). You have 30 days after birth to add your child to insurance. You can add him to either yours or your DH’s, whichever is the better plan. It’s usually cheaper to do individual + dependent on one plan and individual on another than a full family plan.
My DH recently took another job , so I added him and DS to my insurance, since far better. The three of us on one plan is about $70 more per month than how we did it before.