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?
The baby's hospital stay will be under the baby's name. I remember that this caught me slightly off guard when my wife had our first child. She had met her deductible so I was paying 20% coinsurance on all of her charges, but our child's stay was under his name and subject to a new deductible (or family deductible).
Having a child is a qualifying event for health insurance changes, so your husband should be able to add both you and your new child to his coverage within 30 days of your child's birth.
Not exactly. Husband can add child within 30 days of birth as a qualifying event. Wife can be added now because it's open enrollment, but once open enrollment is over, wife will NOT be able to be added again until next year, or unless she experiences her own qualifying event. BEING born is a qualifying event. GIVING BIRTH is not, mom's employment and insurance status does not change because she has a baby!
Your husband's open enrollment and being added to his policy MIGHT allow you to drop your own employer's coverage before OE. But check with your HR dept to be sure. You will have to make sure you fill out the proper forms within 30 days of the new coverage taking effect, so try to get everything in order ahead of time.
In almost all cases, the baby will have its own deductible applicable to the initial nursery charges. It is a separate person and has separate bills.
FreeAdvice® has been providing millions of consumers with outstanding advice, free, since 1995. While not a substitute for personal advice from a licensed professional, it is available AS IS, subject to our Disclaimer and Terms & Conditions Of Use.
IMPORTANT NOTICE FreeAdvice.com has been providing millions of consumers with outstanding information and "advice" free since 1995 with thousands of professionally prepared and reviewed articles, questions and answers in more than 100 categories in the Question and Answerpages at FreeAdvice.com. THE VIEWS EXPRESSED ON THIS AND OTHER FORUM PAGES WERE NOT REVIEWED BY THE EDITORIAL STAFF OR ATTORNEYS AT FREEADVICE.COM and are provided AS IS. The FreeAdvice Forums are intended to enable consumers to benefit from the experience of other consumers who have faced similar legal issues. FreeAdvice does NOT vouch for or warrant the accuracy, completeness or usefulness of any posting on the Forums or the identity or qualifications of any person asking questions or responding on the Forums. Use of the Forums is subject to our Disclaimer and our Terms and Conditions of use which prohibit advertisements, solicitations or other commercial messages, or false, defamatory, abusive, vulgar, or harassing messages, and subject violators to a fee for each improper posting. All postings reflect the views of the author but become the property of FreeAdvice. Information on FreeAdvice or a Forum is never a substitute for personal advice from an attorney licensed in your jurisdiction you have retained to represent you. To locate an attorney visit AttorneyPages.com. Copyright since 1995 by Advice Company. All Rights Reserved.