What is the name of your state (only U.S. law)? Florida
I am expecting my 3rd child. My employer is now offering open enrollment insurance and since the deductibles are less than my husband's insurance, I will be switching over to this new insurance. When the baby is born, is the baby's hospital stay put under my name or does the baby count as a new person and then has it's own deductible? Also, then can my new baby and I join my husband's insurance within 30 days of the birth and then I can stop paying my insurance since my husband is already paying for himself and children (my 2 other children) so he'll just switch over to family?