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Oct 19, 2021
10:28
:39
am
LeonMarek
All-American
Its been a while, are you able to change your coverage? or just add a dependent?
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LeonMarek
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LeonMarek
Joined
Aug 11, 2014
Last login
Apr 18, 2024
Total posts
8,311 (367 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
wannnacruise
10/19/21 1:28pm
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