Hellobee Boards

baby is automatically on your insurance for first 2 weeks maybe, including all birth hospital charges. Then you need to add baby to one of your 2 plans. We added J to DH's plan, no problems. If you automatically get bumped up to family, but sure it's not cheaper for all three of you to be on same insurance (it isn't for us, slightly cheaper for me to have my own.)

Ugh, I made the same miscalculation with not realizing deductible and oop max doubled once I added DD and it burned me. I think it does make sense to add you LO to your DHs plan to keep your personal maxes low. LOs costs the first year should be mostly preventative hopefully and I'm guessing covered 100% under your DHs plan.

@Ms.Badger: Baby is not automatically covered under the mother's plan at birth. You have 30 days from birth to add the baby to the mom's or dad's insurance.

Not sure if it's different based on states, but for our insurance the baby had to go on whichevers parents birthday fell first in the calendar year. (My kids have DH as their primary insurance since his birthday is Jan & mine is sept)

@DesertDreams88: at the time LO was born we also had separate insurance. By law you dont have to add the baby to your plan for the first 30 days after birth they are automatically covered by your plan.

@DesertDreams88: When your baby is automatically covered by your plan for the first 30 days, it's still your individual plan. It's not until after the 30 days that you would add him to someone's policy as a separate entity/dependent (with raised deductible).

@MamaG: is right. Give me a second to find an old post I wrote on this when I was fresh out of the convo with insurance.

ETA. ok here was my response to someone with a $700/$1,400 individual/family deductible and a $4,700 out of pocket max. Hope this helps.

According to my insurance company when I called. Each person on your policy uses the individual deductible, so for you, and you only, you will have to accumulate $700 in expenses (not $1,400) before you meet the deductible. So after you pay $700 your 80%/20% will kick in and you will pay 20% of costs up to your individual out of pocket max of $4,700.
If you husband has any major medical issues in the mean time, he would also have a $700 deductible and $4,700 OOP max.
It's my understanding that where the "Family" deductibles/OOP max come into play is when you have more than two people. Each person will have their own $700 deductible they will be counting towards, but the max family deductible is $1,400.

@misolee: correct. This is becoming very common. Both of our employers have this rule in place which is why DH and I have seperate insurance.