Usually insurance is paid based on date of loss/injury. I am not an expert on

Oct 19, 2021
10:26:55am

Ycrazy All-American

group medical, but I do not think that if your baby is born 2/5 that the new company you switch to on 2/8 is going to be willing to pay for charges before you were insured with them.

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Ycrazy

Bio page: Ycrazy
Joined: Apr 14, 2011
Last login: Apr 25, 2024
Total posts: 8,565 (6 FO)

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Messages

Author

Time

My plan for insurance for our upcoming child birth - any flaws to this?

wannnacruise

10/19/21 10:23am

If you use a life event like a birth to change your plan, the birth will

Graystation

10/19/21 10:24am

Pretty sure it gets applied retroactively if you add child within 30 days

wannnacruise

10/19/21 10:26am

It does not. Otherwise every person in the world would do this.

Graystation

10/19/21 10:27am

As a follow up

wannnacruise

10/19/21 10:32am

Yes the coverage will apply to your newborn, but they won’t allow you to change

Graystation

10/19/21 10:35am

Thanks, appreciate the feedback

wannnacruise

10/19/21 10:37am

I truly hope you find a way for it to work though. Let me know if you do!

Graystation

10/19/21 10:43am

Thanks, definitely will! Just trying to plan how much this thing is gonna cost

wannnacruise

10/19/21 10:46am

Very true! With our first, we were double covered. Wife on her parent’s plan

Graystation

10/19/21 10:53am

Its more complicated for him though as his wife is covered by her parents policy

BYUFootballisBack

10/19/21 10:39am

Usually insurance is paid based on date of loss/injury. I am not an expert on

Ycrazy

10/19/21 10:26am

Hack.

Ycrazy

10/19/21 10:27am

Its been a while, are you able to change your coverage? or just add a dependent?

LeonMarek

10/19/21 10:28am

Its a life event so you can change as your family dynamic has changed

BYUFootballisBack

10/19/21 10:31am

You could check and see if your company has any supplemental group plans for

Ycrazy

10/19/21 10:33am

As others have said, the flaw is thinking the bills will hit your new insurance

BYUFootballisBack

10/19/21 10:33am

Gotta be careful as well, you might need to involve an insurance specialist

BYUFootballisBack

10/19/21 10:43am

Look up the birthday rule for dual insurance for babies

BYUFootballisBack

10/19/21 10:45am

Man that's nuts! I believe this won't apply in our case, as the baby won't

wannnacruise

10/19/21 10:49am

Do it at a birthing center with midwives.

Beggar

10/19/21 11:23am

Good news follow-up from my insurance plan administrator

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