Post by txmommy14 on May 1, 2016 15:00:27 GMT -5
I was going to ask about this in the randoms thread but decided to start a new thread. What is everyone's health insurance like as far as maternity/newborn coverage goes?
I usually consider myself pretty well versed in health insurance, but now I'm a bit stumped. I'm going to call my insurance (BCBS) tomorrow. We are on a high deductible plan through my husband's work that we chose to be on because of the lower premiums. I have a 2600 deductible and a 4K out-of-pocket max. Because of all of the specialist visits and 2 emergency room visits this pregnancy, I think I will have met even my out-of-pocket max by the time I deliver. However, just last night we realized that we might owe the entire deductible and possibly out-of-pocket max, depending on what happens, for the baby?! We haven't been saving for that at all because we kept thinking the expenses would be covered since I've already paid everything! With DS, he was covered under my plan for the first 30 days, even though he eventually got put on DH' plan. We had to do lots of expensive genetic testing when he was born, but we didn't have to pay a dime because the insurance I had at the time was so good! So I guess I was just assuming she would be billed under me for the first 30 days again, but from talking to people, it doesn't seem like that's the case? Ugh. Let me know if anyone has any insight! I guess we will be having 3-4K more in bills than we thought! Probably should have been saving for that rather then DS' pre-k for next year.
I usually consider myself pretty well versed in health insurance, but now I'm a bit stumped. I'm going to call my insurance (BCBS) tomorrow. We are on a high deductible plan through my husband's work that we chose to be on because of the lower premiums. I have a 2600 deductible and a 4K out-of-pocket max. Because of all of the specialist visits and 2 emergency room visits this pregnancy, I think I will have met even my out-of-pocket max by the time I deliver. However, just last night we realized that we might owe the entire deductible and possibly out-of-pocket max, depending on what happens, for the baby?! We haven't been saving for that at all because we kept thinking the expenses would be covered since I've already paid everything! With DS, he was covered under my plan for the first 30 days, even though he eventually got put on DH' plan. We had to do lots of expensive genetic testing when he was born, but we didn't have to pay a dime because the insurance I had at the time was so good! So I guess I was just assuming she would be billed under me for the first 30 days again, but from talking to people, it doesn't seem like that's the case? Ugh. Let me know if anyone has any insight! I guess we will be having 3-4K more in bills than we thought! Probably should have been saving for that rather then DS' pre-k for next year.