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

Oct 19, 2021
10:43:45am

BYUFootballisBack Truly Addicted User

sounds like there are some unique special rules for situations like yours where you have 2 different plans

'Birthday Rule' Blindsides First-Time Parents With A Mammoth Medical Bill

An insurance regulation known as "the birthday rule" is tripping up couples who are putting their newborn children on the wrong policy and risk losing thousands of dollars.

https://www.npr.org/sections/health-shots/2021/01/27/961196647/birthday-rule-blindsides-first-time-parents-with-a-mammoth-medical-bill

Report problem with this ad

BYUFootballisBack

Previous username: oddsewer
Bio page: BYUFootballisBack
Joined: Apr 29, 2007
Last login: Apr 24, 2024
Total posts: 13,942 (721 FO)

Report problem with this ad

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

'Birthday Rule' Blindsides First-Time Parents With A Mammoth Medical Bill

Posting on CougarBoard