June 28, 2010
Can a father's health insurance cover the prenatal care of the mother who is carrying the child & the delivery
mindthetwine asked:
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?
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?
Comments on Can a father's health insurance cover the prenatal care of the mother who is carrying the child & the delivery
The way most insurances work is they would go on her insurance. She would need to drop her insurance and be put on yours. If she is not on yours now, they will not cover her at all. If she is on yours and has double insurance, then it might…
You plan will vary with anyone who tries to answer this question. You're best bet is to call your insurance company and ask. But as far as I know, if you're wife is not on the plan she is not covered. Mostly because she's the one receiving the medical care—not you.
NO, she has to be added to your insurance plan for it to be covered, if you plan on doing that make sure she is added before you get pregnant, some insurance companies consider pregnancy a pre-existing condition and will not cover her if she is already pregnant!
Not usually. Pre natal is considered care for her. When the baby comes, it will be covered by yours. If she isn't pregnant yet you might consider putting her on yous asap.
She would only be covered by the insurance policy she is listed on. She is the one pregnant and receiving care not the child until it is born. Once the child is born they could be put on whichever policy you prefer.
No. She needs to be added to your plan. Also, the baby is covered with the mother for the first 30 days, so even the care for the baby would have to be under the same policy the mother carries until they area month old.
Luckily, it is probably close to open enrollment for your insurance next year.
The pre-natal care and delivery is care of the MOTHER. Your argument that the kid is yours does not wash as the kid is not a kid until the kid is born.
If YOUR policy is an individual policy only you are covered and she will have to use her own insurance. If that is the case, you might check on "upgrading" to a family policy. However, they may not cover for this pregnancy as she was PG at the time you upgraded.
If YOUR policy is a FAMILY policy and your wife is covered under it, you can use it. It may require her policy to pay first but that is no problem. You just have her policy billed first, they decline to pay then you bill your policy.