My wife and I are going to try and have a baby over the next year or so. We are covered under separate health insurance plans by our respective employers (she has an HMO, I have a PPO-HSA). There is a local hospital and OB-GYN medical group that is considered to be amongst the best in our area; although her insurance does not include the hospital and medical group in their network, mine does. Can the medical bills for the pre-natal care and delivery be covered under my insurance (considering that it as much my child as it is hers) even though she has her own health insurance that would cover the expenses from a different provider? http://unblockyoutube.cn/health-insurance.html
Insurance - 5 Answers
Random Answers, Critics, Comments, Opinions :
1 :
logical, but he insurance company won't see it that way, go figure, if she is not on your policy then the answer would be no, the baby can be put on your insurance after it is born, when is open enrollment at your job? why not just put her on your insurance, pregnancy is not considered a pre existing condition so as long as she is on your policy before the child is born you are covered
2 :
as long as you wife is covered under you. she would still be primary for herself, then the claims would be sent to the secondary carrier, which is yours. yes she would be covered. this is how it works in new jersey, guessing other states would be the same. by the way i do the billing for an ob/gyn in nj.
3 :
Ask the personal office where you work. If she is covered on your policy or not. You may need to add her to your policy.
4 :
Her insurance must be primary, and yours can only be secondary. She'd have to have the bills submitted to her policy first, THEN to yours.
5 :
NO, if your wife is NOT currently enrolled on your policy ... then NO she can not gain benefits from your policy ... You would need to enroll her ... and there would need to be a qualifing event ... not; my wife is pregnant and we like these doctors better, they wont add her for that ... if she lost her job, or benefits, they would add her within 30 days of loss of coverage ... ask HR when Open Enrollment is ...
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